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Compare home loans

Everyone’s different. Whatever your situation may be, we can put together a home loan solution to suit you.

Here’s a summary of the different loan types. You can mix and match to get the best of each. 

ANZ lending criteria, terms, conditions, and fees apply. Interest rates and fees are subject to change.

Explore your options

Mortgage options
Fixed-rate home loan Floating-rate home loan Flexible home loan

Know exactly how much your home loan repayments will be by fixing your rate for a set period.

Ideal if you want to be able to make extra repayments to pay off your home loan sooner.

With this revolving credit facility on your everyday transactional account, you have access to credit when you need it and can reduce the overall amount of interest you'll pay.

1 year fixed-rate special*
Additional rates and terms available

  • The interest rate will stay the same for the entire fixed-rate period.
  • No surprises – you can budget with certainty.
  • You can make one extra repayment of up to 5% of the outstanding loan balance each year of your fixed-rate period without being charged Early Repayment Recovery.
  • Make weekly, fortnightly or monthly repayments.
  • Interest-only option available on approval – conditions apply.
  • No monthly fee. Other fees and charges may apply.
  • Maximum 30 year term.
  • Interest rates can either go up or down in line with market changes.
  • You can make extra repayments on your home loan whenever you like – minimum repayment amount may apply.
  • Switch to a fixed interest rate at any time without being charged Early Repayment Recovery.
  • Make weekly, fortnightly or monthly repayments.
  • Interest-only option available on approval – conditions apply.
  • No monthly fee. Other fees and charges may apply.
  • Maximum 30 year term.
  • Interest rates can either go up or down in line with market changes.
  • You have access to credit, up to your credit limit, if you need it.
  • You could put all your available money into this account to lower your outstanding balance – reducing the overall amount of interest you'll pay.
  • This option may suit you if you’re disciplined with managing your money.
  • $12.50 monthly account fee. Other fees and charges may apply.
  • No set term.

Find out more

Start your application

*Special interest rate requires minimum 20% equity, an ANZ transaction account with salary direct credited plus one other product, otherwise standard rate applies. Not available with package discounts.

  

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Or choose a combination

You could combine the different loan types to suit your needs. For example:

  • If you want certainty around your budget each month but think you’ll have a bit of extra cash in the future (e.g. a bonus), you could fix most of your loan and leave the rest floating. You could then use any extra cash to make a lump sum payment on the floating loan for no fee.
  • If you’re concerned about interest rates changing, you could split your loan across floating and fixed, or across different fixed-rate periods. 
  • You may want to have part of your home loan as a flexible loan so you have access to credit when you need it, e.g. if you are doing renovations.

We can explain all the options and help you decide which is best for you – contact us now.

Tools

Work out how much you could borrow

Get an idea of how much you could borrow based on some quick questions about your financial situation.

Work out your repayments

Find out how much your repayments might be depending on the loan amount, loan type and term.

Guides

Explore your deposit options

There are a number of ways to get a deposit together. Find out about your options including KiwiSaver first home withdrawal.

Property Unlocked Seminars

Free seminars to learn about the home buying process, building, renovating and property investment.

Top up your home loan

A top up on your home loan can be a cost-effective way to borrow extra money if you need it.

How to apply

Start online

Start your application

Start the application process for your home loan online today. It takes just 5 to 10 minutes.

Call us

0800 269 4663

Weekdays, 8am - 8.30pm
Weekends, 9am - 5pm

International: +64 4 470 3165

We'll come to you

Book an appointment

A Mobile Mortgage Manager can visit you whenever, wherever is convenient for you.

Frequently asked questions

Help and support 

See all help and support articles

Important information

ANZ lending criteria, terms, conditions, and fees apply. Interest rates and fees are subject to change.  

A copy of the Bank's General Disclosure Statement under the Reserve Bank of New Zealand Act 1989 is available on this website or on request from any ANZ branch, free of charge.

This material is for information purposes only. Its content is intended to be of a general nature, does not take into account your financial situation or goals, and is not a personalised financial adviser service under the Financial Advisers Act 2008. It is recommended you seek advice from a financial adviser which takes into account your individual circumstances before you acquire a financial product. An ANZ Authorised Financial Adviser will, on request and free of charge, provide you with his or her disclosure statement prepared under the Financial Advisers Act 2008. If you wish to consult one of ANZ's financial advisers, please contact us on 0800 269 296.