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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 
  • Installing a heating system.



Interest-free home loan top ups to warm your home

Apply for interest-free home loan top ups for insulation and heat pumps, up to $5,000 for each

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. Please note that a top up fee may apply.

How to apply

Call us

to book an appointment at your local branch

0800 269 296

Weekdays, 8am - 7pm
Weekends, 9am - 5pm
International: +64 4 470 3165

Internet Banking and goMoney

If you already have a home loan with ANZ you can apply for a top up through the 'Apply and Open' tab in ANZ Internet Banking or goMoney (registered customers only).

Log into Internet Banking

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Help and support 

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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.