Changing your repayments

Talk to us about changing the frequency, timing or amount of your repayments.

Changing the frequency or timing of your repayments

You can change the frequency of your regular repayments or change the day of month/week they come out. Note that if it is during a fixed rate period, an Early Repayment Recovery may be charged.

Simply call us on 0800 269 4663 or book an appointment with an ANZ Home Loan Coach in branch.

Increasing your repayments

On a fixed ANZ Home Loan

You can increase your regular repayment amount at the end of your fixed rate period when setting up your new fixed rate term. You can do this by using ANZ Internet Banking or goMoney (if eligible), calling us on 0800 269 4663 or booking an appointment in branch with an ANZ Home Loan Coach. 

You can increase your regular repayment amount during your fixed rate period but you may be charged an Early Repayment Recovery. You won’t be charged an Early Repayment Recovery if you’re making your first extra repayment in that year and one of the following applies:

  • You make regular extra repayments towards your loan and these change your regular payments by less than or equal to $250 per week
  • The extra lump sum repayment you’re making is no more than 5% of the loan amount you owe on your loan.

The year runs from the date your fixed-rate period started or the anniversary of the date your fixed-rate period started.

Just call us on 0800 269 4663 or book an appointment in branch with an ANZ Home Loan Coach before you decide, as any Early Repayment Recovery could be large.


On a floating ANZ Home Loan

You can increase your repayments any time with no fee by calling us on 0800 269 4663 or booking an appointment in branch with an ANZ Home Loan Coach. 

Reducing your repayments

If your situation changes and you need to reduce your repayments for a while, call us on 0800 269 4663 or book an appointment in branch with an ANZ Home Loan Coach.

Work out your repayments

Find out what the impact might be of changing the frequency, timing or amount of your repayments. 


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.

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.

  Two women looking at paperwork and a laptop together

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.