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ANZ Home Loan with a fixed rate

With a fixed home loan, your interest rate stays the same for the fixed-rate period.

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  • Regular fixed repayments to help you budget. Budget confidently by knowing your exact repayment amounts and timings.
  • Your interest rate is locked in. Have certainty and peace of mind by knowing exactly what your repayments will be and protection from interest rate rises. Interest rates may however fall during your fixed-rate 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.

Plus, you can make one extra repayment up to 5% of the outstanding loan balance each year of your fixed-rate period without being charged Early Repayment Recovery.


1 year fixed-rate special*

2 year fixed-rate special*

3 year fixed-rate special*

home loan fixed rates
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.  


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.


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

to book an appointment at your local branch

0800 269 296

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

International: +64 4 470 3165

We'll come to you

Request 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

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.