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ANZ Home Loan with a floating rate

With an ANZ Home Loan with a floating rate, your interest rate may go up or down in line with market changes.

Interest rate subject to change.


Make extra repayments whenever you like

Allows you to make extra repayments or a lump sum payment whenever you like (e.g. if you get a bonus) – or repay the whole loan – with no fee charged.

Minimum repayment amount may apply

Reduce the interest you'll pay

Making extra repayments may reduce your overall interest costs.


  • The interest rate can move up or down in line with market changes – which means your repayment amount can change. 
  • The interest rate is generally higher than fixed home loan rates but you have the flexibility to make extra repayments whenever you like.
  • Make weekly, fortnightly or monthly repayments.
  • No monthly fee. Other fees and charges may apply.
  • Maximum 30 year term.

ANZ Home Loan with a fixed or floating rate

Find out how fixed rate and floating rate ANZ Home Loans work, to see which might be best suited to you.

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


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