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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. A monthly account fee of $12.50 and other fees and charges may apply.

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You could get a $3,000 cash contribution when you buy your first home with an ANZ home loan


  • Flexible access to credit at a competitive rate. An ANZ Flexible Home 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 an ANZ Home Loan with a fixed or floating rate) 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? 


The rate is subject to change.  A monthly account fee of $12.50 and 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.


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

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. 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.