Skip to main contentSkip to log on

ANZ Reno Loan

From renovating a bathroom or kitchen, to roofing and landscaping. The ANZ Reno Loan is a home loan top up that can help you fall in love with your home again.

Rate and offer details

ANZ Reno Loan 

3-year fixed rate

Rate is unavailable
%P.A

Top up your ANZ Home Loan to renovate your home at a special fixed rate for 3 years, up to $50,000. Minimum 20% equity required.

The ANZ Reno Loan top up can be for loan amounts of $3,000 to a maximum of $50,000. It’s not available for business purposes and excludes loans for construction of new dwellings.

How to apply

Ways you can use an ANZ Reno Loan

Here are some practical ways you can use an ANZ Reno Loan. From simple refreshes to bigger improvements that can help with the look, feel and functionality of your home.

Bathroom renovation

Updating tapware, lighting or fixtures, or completely replacing flooring, vanities, showers or baths, can make your bathroom feel fresh. If you're planning a full refresh or moving plumbing, professional advice can help keep the project on track and aligned with your budget.

Kitchen renovation

Refreshing benchtops, cabinet doors or a splashback can modernise your kitchen and improve functionality. For bigger changes like new cabinetry, layout updates or premium finishes, thoughtful planning can help bring your dream kitchen to life.

Roof upgrade or repairs

Upgrading an ageing roof can improve your home's appearance and protect it long-term. Choosing materials suited to your local climate can improve durability and ensure your roof stands up to the elements.

Updated flooring

Replacing worn carpet or old lino can make your home feel cleaner and more inviting. Focus on high traffic areas and choose durable materials if you have kids or pets.

Outdoor living upgrades

Improving your deck, landscaping, patio or outdoor lighting can help you use your outdoor areas year round. Choose materials and plants suited to your climate and lifestyle to keep maintenance low.

Interior or exterior paint

A fresh coat of paint can instantly update your home and keep it protected from the elements. Neutral colours create a timeless look that works with most furniture and could also appeal to future buyers.

What your repayments could be

Here are examples of what repayments on your ANZ Reno Loan could be for different project sizes on a 3-year loan term.

These repayments are indicative and would be in addition to your existing home loan repayments:

  • $5,000 to refresh some carpet or do some landscaping could mean fortnightly repayments of $67
  • $10,000 for repainting your home could mean fortnightly repayments of $133
  • $30,000 for a roof replacement or bathroom renovation could mean fortnightly repayments of $399
  • $50,000 for a full kitchen renovation could mean fortnightly repayments of $666.

You can work out your repayments for different scenarios using our repayment calculator.

Apply for an ANZ Reno Loan

ANZ goMoney app

In goMoney select Apply > Home loan top-up and fill out the details.

ANZ Internet Banking

In Internet Banking select Apply & open and under Home loan follow the steps to apply.

Apply in Internet Banking

Call us

Monday to Friday, 8am-7pm

Saturday and Sunday, 9am-5pm

0800 269 4663

From overseas: +64 4 470 3165

Switch to ANZ

You need a home loan with ANZ for this offer.

Talk to a Mobile Mortgage Manager when it suits you, or apply to switch online.

Find a Mobile Mortgage Manager
Apply online for an ANZ home loan

Calculators

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.

Renovation calculator

Work out your repayments

Find out how much your repayments might be depending on the loan amount, loan type and term.

Repayment calculator

You might be interested in

ANZ Good Energy Home Loan

Want a warmer, healthier, more energy efficient home with less impact on the planet? Our ANZ Good Energy Home Loan top up could help.

ANZ Good Energy Home Loan

Our Home Loan Check In

The Home Loan Check In is free, there is no obligation and it will only take about 15 minutes. Our Coaches are happy to talk to you over the phone or in person, whatever suits you.

Request a Home Loan Check In

Help to manage your home loan

We know your circumstances can change. Whether you’re wanting to restructure, refix or top up your home loan, we have options that could help make your home loan work for you.

Manage your home loan

Important information

ANZ lending criteria, terms, conditions, and fees apply. Interest rates and fees are subject to change. Read more about our Rates, fees and agreements.

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

The ANZ Reno Loan is only available as a top-up to your ANZ Home Loan and only for eligible renovation purposes. Minimum loan $3,000 and a maximum of $50,000 lending is available per customer. You can only draw down once. If you borrow less than $50,000, you won’t be able to access the remaining amount later. Minimum 20% equity required for owner occupied properties, and minimum 30% equity required for residential investment properties. This offer is only available for a limited time only. After the special 3-year fixed rate, ANZ's Home Loan floating interest rate will apply. ANZ can withdraw the offer at any time. ANZ may apply discretion when assessing applications and reserves the right to decline applications or ask for more information if ANZ believes your intended purchase isn’t for the purposes of renovation.