Top up your home loan
If you have a home loan with ANZ, you can apply for a home loan top up. A top up can be used for things like renovations, landscaping, insulation or installing a heating system.
How much could I borrow?
The amount you could borrow will depend on a number of things, including the equity you have in your home and how much income you have available for the regular repayments.
To find out more about home loan top ups and how we can help with your particular situation, contact us.
Take years off your mortgage
Have a chance each month to win $100k towards your home loan with ANZ until 30 September 2025. If you have an ANZ home loan, you’re automatically in the monthly draw.
Eligibility criteria, terms and conditions, and some exclusions apply. For details, see our competition terms and conditions.
Our Home Loan Check In
Our experts are here to chat about how a home loan top up could work best for you.
The Home Loan Check In is free, there is no obligation, and it will only take about 15 minutes. Our coaches are happy to talk to you over the phone or in person, whatever suits you.
How to apply
From overseas: +64 4 470 3165
Enjoy up to $450 cash back
Take out new home, contents or car insurance cover by 28 July 2025 and you could enjoy $150 per cover, up to $450. Insurance provided by Vero Insurance New Zealand Limited.
Underwriting criteria, terms and conditions, and minimum holding period apply.
Calculators
ANZ Good Energy Home Loan
The new ANZ Good Energy Home Loan top up has a great low rate of —% p.a. fixed for three years, up to $80,000—, to help you make eligible energy efficient upgrades to your home. Good for the planet, and for your pocket.
Important information
ANZ lending criteria, terms, conditions, and fees apply. Interest rates and fees are subject to change.
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