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ANZ Flexible Home Loan

With this revolving credit facility on your everyday transactional account, you have access to credit when you need it and can also reduce the overall interest you'll pay.

Interest rate subject to change.

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Be in the draw to win up to $100,000 off your ANZ home loan  

Simply hold an ANZ home loan on 16 December 2019


  • Flexible access to credit at a competitive rate. A flexible loan gives you access to credit at a competitive rate when you need it, e.g. if you’re doing renovations.
  • Reduce the interest you'll pay. You can put all your available money into this account to lower your outstanding balance – reducing the overall amount of interest you'll pay.
  • No regular repayments. There are no regular repayments (unlike fixed or floating loans) as long as you stay within your credit limit. You simply deposit money into your account to reduce your loan balance. So you need to be disciplined to get the most out of this loan.

Not sure which type of home loan is right for you? Compare home loan types.


The rate is subject to change.

No maximum loan term, however we can ask you to repay your ANZ Flexible Home Loan or reduce your credit limit at any time.


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 Construction Coach 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.