Different loan types provide varying levels of flexibility for making extra repayments.
We offer three loan types: fixed rate, floating rate, and flexible – you can choose one or a combination of these loan types based on your circumstances.
Loan structure examples
Here are examples of customers who have structured their loans quite differently – but all in a way that works best for them. These examples are for illustrative purposes only and are only a guide.
Find out more about paying your home loan off faster
ANZ lending criteria, terms, conditions, and fees apply. Interest rates and fees are subject to change. Read more about our Rates, fees and agreements.
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 anz.co.nz/fapdisclosure