skip to log on skip to main content
VoiceOver users please use the tab key when navigating expanded menus

ANZ Flexible Home Loan

This is a revolving credit facility on your everyday transactional account. If you’re good at managing your money, this option could help you minimise interest charges or repay your home loan sooner while giving you access to credit when you need it.

Interest rate subject to change.



You could get $3,000 cash with a new ANZ Home Loan

You could get a $3,000 cash contribution when you take out a new home loan or switch your home loan to ANZ, as long as you keep your home loan with ANZ for at least three years.

Lending criteria, terms, conditions and fees apply to this offer.disclaimer

Benefits

No regular repayments

You’re charged interest on the outstanding balance, but there are no set repayments.

Flexible access to credit 

You can pay money into it whenever you like and redraw it if you need to.

Reduce interest costs to pay your loan off sooner

Often has the highest interest rate and a monthly fee, but offers the most flexibility. If customers are disciplined with their money, they often choose to have some of their lending as a Flexible Home Loan.  They pay their income into their Flexible Home Loan account to lower the current loan amount – reducing the amount of interest they will pay and helping them pay it off sooner. 

Features

  • This home loan is a revolving credit facility on your everyday transactional account, a bit like an overdraft.
  • You can pay money into it whenever you like and redraw it if you need to. 
  • You’re charged interest on the outstanding balance, but there are no set repayments as long as you stay within your credit limit. 
  • Interest rates can either go up or down in line with market changes.
  • It often has the highest interest rate and a monthly fee, but it offers the most flexibility.
  • $12.50 monthly account fee. Other fees and charges may apply.
  • No maximum loan term, however we can ask you to repay your ANZ Flexible Home Loan or reduce your credit limit at any time.

 

ANZ Flexible Home Loan

Find out how customers use an ANZ Flexible Home Loan to pay their loan off faster. 

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.

   


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. 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

Cash contribution: only available on new home loans fully approved between 10 June to 30 July 2021 and drawn down by 31 August 2021 - must be $200,000+ lending with new residential security provided, and is conditional on you maintaining all your banking and home lending with ANZ for three years.

Return
Top