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ANZ Home Loan with a floating rate

With a floating home loan, your interest rate may go up or down in line with market changes.

Interest rate subject to change.

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  • Make extra repayments whenever you like. You can pay off your loan faster by making extra repayments or a lump sum payment whenever you like (e.g. if you get a bonus), with no fee charged – minimum repayment amount may apply.
  • Reduce the interest you'll pay. Making extra repayments may reduce your overall interest costs.
  • Adjust your loan if your situation changes. You can switch some, or all, of your floating loan to a fixed rate at any time, if you want more certainty around your repayments in future.

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



The rate is subject to change.

You can make extra repayments or a lump sum payment (minimum repayment amount may apply) – or repay the whole loan – whenever you like.


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.


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

Start online

Start your application

Start the application process for your home loan online today. It takes just 5 to 10 minutes.

Call us

to book an appointment at your local branch

0800 269 296

Weekdays, 8am - 8.30pm
Weekends, 9am - 5pm

International: +64 4 470 3165

We'll come to you

Request an appointment

A Mobile Mortgage Manager can visit you whenever, wherever is convenient for you.

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.