Home loans
Home loans
Find out about buying, building or renovating and how you could pay off your loan faster. We also have ways to help you make your home more energy efficient too.
Get the most from your home loan
Whether you're re-fixing your home loan or looking to switch to ANZ, find out how we could help you make the best call.
Explore our home loan rates
Rolling off an existing fixed rate? Taking out a new fixed home loan? You can lock in a fixed rate up to 60 days in advance.
To lock in a rate, you’ll need to complete a Reserve Rate Agreement. If you cancel or change your Reserve Rate Agreement you may incur a Non-utilisation Recovery—.
1 year fixed-rate special*
1 year fixed-rate special*
Rate is unavailable
Additional rates and terms available.
3 year fixed-rate special*
3 year fixed-rate special*
Rate is unavailable
Additional rates and terms available.
*Special interest rate requires minimum 20% equity and an ANZ transaction account with salary direct credited, otherwise standard rate applies. Not available with package discounts.
ANZ lending criteria, terms, conditions, and fees apply. Interest rates and fees are subject to change.
You could get a $5k cash contribution with your first home
If you’re a first home buyer and taking out a new home loan (minimum of $200,000) you could get a $5,000 cash contribution. The cash contribution is conditional on keeping your home loan with ANZ for at least three years. Lending criteria, terms, conditions and fees apply to this offer—.
ANZ Blueprint to build package for new build homes
If you’re building or buying a new build, you could get discounted home loan interest rates and save on fees with our Blueprint to build package.
Lending criteria, terms, conditions and fees apply to this offer.
Find out how we can help you go from blueprint to build.
Great reasons to choose ANZ
Help to manage your home loan
We know many Kiwis are feeling the impacts of higher home loan rates and day-to-day expenses creeping up. We have options that could help make your home loan work for you.
Help to make your home more energy efficient
We have a range of initiatives to help you live in a warm, dry, energy efficient home.
Support to help you pay off your home loan faster
Everyone’s different. Whatever your situation may be, we can help put a solution together to help you pay off your home loan faster and pay less interest.
Help buying a home or investment property
You’ll get an ANZ Home Loan Coach to support you through the buying process. Plus, we have a range of helpful tools available to you throughout your home buying journey.
Calculators
How to apply
Important information
ANZ lending criteria, terms, conditions, and fees apply. Interest rates and fees are subject to change. Read more about our Rates, fees and agreements.
This material is for information purposes only. We recommend seeking financial advice about your situation and goals before getting a financial product. To talk to one of our team at ANZ, please call 0800 269 296, or for more information about ANZ’s financial advice service or to view our financial advice provider disclosure statement see anz.co.nz/fapdisclosure