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.

Our rate offer

You can get the best fixed rate advertised by any major bank when you top up your ANZ Home Loan.

We’re checking the rates of ASB, BNZ, Westpac and Kiwibank on their websites every 24 hours, but if you spot something better before taking out or changing your loan, tell us. 

To find out more, request a Home Loan Check In.

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.

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


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