Home loan fixed term ending

There’s more to a home loan than just a great rate. The type of loan you choose and how you structure it could help pay off your home loan faster. We explain how you can restructure or re-fix your home loan below.

A few things to consider when making your decision

Review your loan structure

We know circumstances change, and you may need to review your loan structure. View the summary of our different loan types to better understand your options. You can also view our videos to decide which home loan structure might work best for you.

Setting your repayments

If affordable, even small increases to your repayments could add up and may mean less interest over the life of the loan. If you’re about to lock in a lower interest rate, keeping your repayment amount the same may help pay off the loan faster and may mean less interest over the loan’s term. You could pay off your loan faster without impacting your budget.

Planning a renovation

You may be able to finance it with a home loan top up. Use our Renovation Calculator to find out how much renovations may cost, based on some quick questions about your plans. Or talk to us today for more information.

Call an ANZ Home Loan Coach today.

Ready to re-fix or restructure?

Here's what you can do when your fixed rate period ends.

Re-fix online

You can easily re-fix your home loan via ANZ Internet Banking or ANZ goMoney. Simply log in, click  ‘Reserve a new fixed rate’ and follow the instructions. Choose from our competitive rates. 

For more detailed instructions on how to re-fix a home loan rate, check out our how to guides.

Re-fix over the phone

If you’d rather re-fix over the phone, just call one of our specialist ANZ Home Loan Coaches (and have your customer number handy).

Restructure your loan

An ANZ Home Loan Coach can help you restructure your home loan to suit your circumstances – and help you set your repayments to pay it off faster.

Call to talk to a coach today or to book an appointment in branch.

If you don't do anything

If we don’t hear from you before your fixed rate period ends, you’ll automatically switch to our floating rate. Remember, with a floating rate you can change your loan structure at any time in the future. Just contact us on 0800 269 4663 and we’ll help you structure your loan to suit your needs.

Experiencing financial hardship

If you’re concerned about making your repayments, we encourage you to talk to us early. We’re here to help work through your options and discuss what they may mean for your home loan over the longer term. Call us on 0800 269 296. 

Calculators and guides

Is it time to review your insurance too?

We know circumstances can change. You may want to check if your sum insured is still enough to rebuild your house to the same size or specification. Or whether your level of cover is right for your current debt level to help protect you and your family. We’ve partnered with insurance specialists who can offer you a range of options to suit your needs.

Talk to an ANZ Home Loan Coach

ANZ Home Loan Coaches can help you set up or restructure your home loan to suit your circumstances – and help you set your repayments to pay it off faster.

Call us today or book an appointment in branch with an ANZ Home Loan Coach.

Important information

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.

Our financial advice provider statement has some important information you should know about ANZ and our financial advice services. Please take the time to read it.