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.
Special interest rates
1 year fixed-rate special*
1 year fixed-rate special*
Rate is unavailable
2 year fixed-rate special*
2 year fixed-rate special*
Rate is unavailable
3 year fixed-rate special*
3 year fixed-rate special*
Rate is unavailable
* 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.
Benefits
Regular fixed repayments could help you budget
Set repayment amounts and timings may help with budgeting.
Your interest rate is locked in
Have certainty and protection from interest rate rises during the 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.
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.
All rates
Special interest rate* | Standard interest rate | |
|---|---|---|
6 months | —% p.a.* | —% p.a. |
1 year | —% p.a.* | —% p.a. |
18 months | —% p.a.* | —% p.a. |
2 years | —% p.a.* | —% p.a. |
3 years | —% p.a.* | —% p.a. |
4 years | — | —% p.a. |
5 years | — | —% p.a. |
The above rates may be in the process of changing and thus may vary for existing customers.
Interest rates may fall during your fixed rate period.
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.
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.
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.
How fixed rate and floating rate ANZ Home Loans work
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.
Check out our how-to guides for step-by-step instructions on how to re-fix a home loan rate.
ANZ has different loan types
Options are fixed rate, floating rate, or flexible home loans. Or combine different loan types to suit your needs.
How to apply
Apply online
Apply for an ANZ Home Loan.
Call us
Call and talk to one of our New Zealand-based home loan coaches.
Monday to Friday, 8am - 7pm
Saturday and Sunday, 9am - 5pm
From overseas: +64 4 470 3165
Talk to a Mobile Mortgage Manager
Our Mobile Mortgage Managers can visit you at a time and place that is convenient for you.
Calculators
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.
Wanting to renovate your home?
Get an idea of how much it might cost based on some quick questions about your home and renovation plans.
Guides
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.
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