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.
Floating loan interest rate
Rate is unavailable
Interest rate subject to change.
First home buyers could get $3,000 cash with ANZ
Buy your first home with an ANZ Home Loan and you could get a $3,000 cash contribution, 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——.
Benefits
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.
Reduce the interest you'll pay
Making extra repayments may reduce your overall interest costs.
Features
- 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.
How fixed rate and floating rate ANZ Home Loans work
ANZ has different loan types
Options are fixed rate, floating rate, or flexible home loans. Or combine different loan types to suit your needs.
How to apply
Apply online
Apply for an ANZ Home Loan.
Call us
Call and talk to one of our New Zealand-based home loan coaches.
Monday to Friday, 8am - 8:30pm
Saturday and Sunday, 9am - 5pm
From overseas: +64 4 470 3165
Talk to a Mobile Mortgage Manager
Our Mobile Mortgage Managers can visit you at a time and place that is convenient for you.
Calculators
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.
Wanting to renovate your home?
Get an idea of how much it might cost based on some quick questions about your home and renovation plans.
Guides
Important information
ANZ lending criteria, terms, conditions, and fees (our application fee is currently waived) apply. Interest rates and fees are subject to change. Read more about our Rates, fees and agreements.
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