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Manage your ANZ home loan

A home loan is a big commitment – we know circumstances change, so once you’ve got one, you may need to review your loan’s structure from time to time. Below is some information that could help you manage your home loan.

How to get on top of your loan

View and track your ANZ Home Loan

You can view and track your ANZ Home Loan in ANZ Internet Banking and goMoney, plus in most cases can also see your property’s current estimated market value from CoreLogic.

Paying off your home loan faster

Making a few simple changes to your home loan could help you pay it off sooner and reduce the overall amount of interest you'll pay.

Home loan top ups

If you need to borrow a bit more for things like renovations, topping up your home loan could be a cost-effective way to do it.

When your fixed rate period ends

It’s easy to re-fix online via ANZ Internet Banking or ANZ goMoney, or if you’d rather re-fix over the phone, just call an ANZ Home Loan Coach on 0800 269 4663. 

Changing your repayments

You may be able to change the timing, frequency and amount of your repayments to suit your needs.

Restructuring your home loan

You can choose to restructure your loan in a number of ways, depending on whether you're looking to manage interest rate changes, consolidate loans or for flexibility.

Interest-free home loan top ups for insulation and heat pumps

If you have an ANZ Home Loan you can apply for an interest-free home loan top up of up to $5,000 to insulate your home and up to $5,000 for heat pumps – so you can enjoy a warmer, healthier home while keeping energy costs down.

We're here to help

We understand that things don’t always go to plan, and circumstances can change. Find out how we can help if you’re experiencing financial difficulties.

Find out how we can help

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Help and support 

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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