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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


Need help?

Help and support 

See all help and support articles


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. 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