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