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.

You could win up to $100,000 off your home loan with ANZ

If you have an eligible ANZ Home Loan on 9 March 2022,  you’ll go in the draw to win up to $100,000 off the outstanding balance, to help pay off your home loan faster.

Plus, if you hold ANZ Asset Protector home insurance on 9 March 2022 you’ll also go in the draw to win one of five prizes of a $1,000 credit to go towards your insurance premiums.

Lending criteria, terms conditions and fees apply. Our application fee is currently waived. Win up to $100,000 prize draw terms and conditions and win credit towards your insurance premiums terms and conditions apply. 

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  • 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

From overseas: +64 4 470 3165



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