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Changing your repayments

You can change the frequency of your repayments or change the day of month/week they come out. For example, if you started a new job, you could align your repayments to when your salary comes in. Similarly, if you’re able to increase your repayments, even by a small amount, you could reduce the amount of interest you pay and pay off your loan sooner. Note that if you have a fixed ANZ Home Loan, an Early Repayment Recovery may be charged.

If you need to reduce your repayments for a while, talk to ANZ. We may be able to help you restructure your home loan to allow you to make smaller regular repayments by increasing the term of your loan. And when you’re able to, you can increase your repayments again. This may be a good short-term solution to help cover additional expenses, but it will increase the overall interest costs over the life of your loan. Talk to ANZ and we can help you make the decision that is best for you.

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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. 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.