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*

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2 year fixed-rate special*

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3 year fixed-rate special*

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* 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.


You could win up to $100,000 off your home loan with ANZ

If you have an eligible ANZ Home Loan on 9 March 2022,  you’ll go in the draw to win up to $100,000 off the outstanding balance, to help pay off your home loan faster.

Plus, if you hold ANZ Asset Protector home insurance on 9 March 2022 you’ll also go in the draw to win one of five prizes of a $1,000 credit to go towards your insurance premiums.

Lending criteria, terms conditions and fees apply. Our application fee is currently waived. Win up to $100,000 prize draw terms and conditions and win credit towards your insurance premiums terms and conditions apply. 

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Benefits

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.


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

From overseas: +64 4 470 3165

Calculators

Guides

Important information

ANZ lending criteria, terms, conditions, and fees (our application fee is currently waived) 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