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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.

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.

Rates

1 year fixed-rate special*

18 month 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.

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. 
  • Maximum 30 year term.

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.

When your fixed rate period ends

It’s easy to re-fix online via ANZ Internet Banking or 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.

ANZ has different loan types 

Options are fixed rate, floating rate, or flexible home loans. Or combine different loan types to suit your needs. 

Compare home loan types

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 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

Call us

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

0800 269 4663

   


We'll come to you

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

Request an appointment

   


Start online

Start the application process for your home loan online today.

Start your application

It takes just 5 to 10 minutes.

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.

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

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