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Compare home loans

Everyone’s different. That's why it is important to put together a home loan solution to suit you.

Explore your options

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

Fixed rate home loan

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

1 year fixed rate special*

Additional rates and terms available

  • The interest rate and repayment amount will stay the same for the fixed rate period.
  • Your repayment amount stays the same during the fixed rate period.
  • When the fixed rate period ends, you can choose to fix it at another rate, or let your loan roll onto the floating rate. 
  • Fixed home loans generally have lower interest rates than floating or flexible home loans, but they offer less flexibility to make extra repayments.

Fixed rate home loans

Options when your fixed rate period ends

*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.

Floating rate home loan

Allows you to make extra repayments to pay off your home loan sooner.


  • The interest rate can move up or down in line with market changes – which means your repayment amount can change. 
  • The interest rate is generally higher than fixed home loan rates but you have the flexibility to make extra repayments whenever you like.
  • Minimum repayment amount may apply.

Flexible home loan

If you're good at managing your money this option can help you pay off your home loan sooner. It also gives you access to credit when you need it. 

  • Interest rates can move up or down in line with market changes.
  • This home loan is a revolving credit facility on your everyday transactional account, a bit like an overdraft.
  • You can pay money into it whenever you like and redraw it if you need to. 
  • You’re charged interest on the outstanding balance, but there are no set repayments. 
  • It often has the highest interest rate and a monthly fee, but it offers the most flexibility.

ANZ Home Loan with a fixed or floating rate

Find out how fixed rate and floating rate ANZ Home Loans work, to see which might be best suited to you.

ANZ Flexible Home Loan

If you’re really disciplined at managing your money, a Flexible home loan might be right for you.

You can combine loan types

Different loan types can be combined to suit your needs. For example:

  • A mix of a fixed rate loan and a floating rate loan gives certainty of payments on the fixed loan, and flexibility to make lump sum repayments without a fee when you have extra cash on the floating loan.
  • A mix of different fixed rate periods, or a mix of fixed rate and floating rate loans, can help protect against interest rates moving.
  • A mix of a flexible home loan and other loans gives the flexibility to access credit when needed, for example for renovations, while still making regular repayments to pay off lending.


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 Webinars

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

Pay off your home loan faster

There could be changes you could make to your home loan structure and repayments to pay off your home loan faster and pay less interest.


How to apply

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Weekends, 9am - 5pm

0800 269 4663


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Need help?

Help and support 

See all help and support articles

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.

Our financial advice provider statement has some important information you should know about ANZ and our financial advice services. Please take the time to read it.