Loans for home improvements

Have big plans for your home? A personal loan could help make it happen.


The important numbers

Special fixed interest rate for a limited time only

Rate is unavailable


Only loans applied for prior to the special offer end date of 24 June 2022, will be eligible.

Rates can change. ANZ lending criteria and terms apply. 

Home renovations

A personal loan could be used for small changes and fixes to your home. Whether that’s a leaking sink or a kitchen on the brink, an ANZ Personal Loan could help manage those bigger costs with a fixed rate and structured repayment plan.

If you already have an ANZ home loan, a home loan top-up may be another option.

Create the home you’ve always wanted

Rates and fees

Rate and fee

Special interest rate

Application fee


Change repayment amount


Make lump sum payment


Minimum extra or early repayment amount applies in Internet Banking

Pay off loan


We calculate interest daily, and either charge it to your loan or to an ANZ account (depending on the repayment type on your loan) monthly in arrears on the first business day of the month. If you do not pay amounts when they are due, we can charge you on those amounts at the default interest rate. 

*A minimum loan amount of $1,000 applies to eligible Jumpstart customers.

Your interest rate + 5% p.a.

Pay no application fee


To get an ANZ personal loan you'll need to meet our lending criteria


  • Be at least 18 years old.
  • Receiving a regular income.
  • Having enough money left over at the end of month, after your expenses are paid, to meet your loan repayments.
  • Being a New Zealand citizen, permanent resident or if you’re a non-resident, have more than one year left on your work visa.
  • Proving your identity and earnings.

Note: no more than two people can apply jointly.

Get an ANZ Personal Loan in 3 easy steps

*Funds must be deposited into an existing ANZ everyday account (such as ANZ Freedom or ANZ Go account).

How to apply

From overseas: +64 4 470 3142

Other options

Combine your other debt

If you have other debt like credit cards or hire purchase, you may be able to save on interest by consolidating them into one easy to manage ANZ Personal Loan.

Flexible ways to manage your money and debts

We have a range of options to suit different needs. Whether it’s borrowing to combine debts, borrowing to pay for the things you need or having a back-up for emergencies and unexpected expenses.

Home renovations

Planning larger renovations?

If you’re planning to do structural changes to your home or investment property, a home loan allows you to borrow a higher amount, and could save on interest. If you already have an ANZ Home Loan, you can apply for a home loan top-up.

Important information

ANZ lending criteria, terms and conditions apply. Interest rates and fees are subject to change. Read more about our Rates, fees and agreements.

Our financial advice provider statement has some important information you should know about ANZ and our financial advice services. Please take the time to read it.