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When the fixed-rate period on your home loan ends

The end of your fixed-rate period is a great time to review your options. ANZ can help you find the best solution.


What are the options?

  • If you like having certainty around your repayments, you can re-fix your home loan. You can reserve a rate up to 60 days before your current fixed-rate period ends.

  • If you want to spread the risk of changing interest rates, you can split your loan into two or more fixed-rate periods.

  • If you want more flexibility to make extra repayments and pay off your loan faster, you can change all or part of your loan to an ANZ Home Loan with a floating rate.

  • If you want to make a lump sum payment, you can do so when your current fixed-rate period ends without being charged Early Repayment Recovery.

  • If you want to borrow money for something else, such as renovating, you can apply for a home loan top up.

What 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 and we’ll help you structure your loan to suit your needs.

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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.