See how we could help you on your journey to financial wellbeing.
ANZ Home Loan with a fixed rate
Know exactly how much your home loan repayments will be by fixing your rate for a set period.
You choose the timeframe
Select a fixed rate period that suits your needs. You can also choose to make repayments weekly, fortnightly or monthly.
You can make one extra repayment up to 5%, with no charges
Option to repay up to 5% of the current loan amount each year of your fixed rate period without being charged Early Repayment Recovery.
| Fixed term | Special interest rate* | Standard interest rate |
|---|---|---|
| 6 months | * |
|
| 1 year | * |
|
| 18 months | * |
|
| 2 years | * | |
| 3 years | * | |
| 4 years | * | |
| 5 years | * |
The above rates may be in the process of changing and thus may vary for existing customers.
If you do not pay amounts when they are due, we can charge you interest on those amounts at the default interest rate, which is your interest rate + 5.00% p.a.
*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.
We'll get you home in no time
Features
- The interest rate and repayment amount will stay the same for 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.
- Make weekly, fortnightly or monthly repayments.
- No monthly fee. Other fees and charges may apply.
- Maximum 30 year term.
When your fixed rate period ends
It’s easy to refix online via ANZ Internet Banking or ANZ goMoney, or if you’d rather refix over the phone, just call an ANZ Home Loan Coach on 0800 269 4663.
Learn more about what to do when your fixed rate period ends
Did you know?
- You can reserve a rate up to 60 days before your current fixed rate period ends.
- Or that you can make one extra repayment of up to 5% of the current loan amount each year of your fixed rate period without being charged Early Repayment Recovery.
Calculators
ANZ has different loan types
Options are fixed rate, floating rate, or flexible home loans. Or combine different loan types to suit your needs.
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 Webinars
Free webinarsto 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.
We'll come to you
A Mobile Mortgage Manager can visit you whenever, wherever is convenient for you.
Start online
Start the application process for your home loan online today.
It takes just 5 to 10 minutes.
Need help?
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.
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