ANZ Home Loan
1 year fixed
How we can help
There’s more to a home loan than just great rates. We’re here to help with practical tools and guides whether you’re looking to buy your next home or pay off your loan faster. We can even help to make your home healthy too.
Work out how much your repayments could be
Find out how much your repayments might be depending on the loan amount, loan type and term.
Work out how much you could borrow
Get an idea of how much you could borrow, and what your repayments might be.
Paying off your home loan faster
Making a few simple changes to your home loan could help you pay it off sooner and reduce the overall amount of interest you'll pay.
ANZ Healthy Homes
We offer a number of ways to help Kiwis live in warmer, drier homes. This includes interest interest-free home loan top-ups for home insulation and heat pumps.*
Free Property Unlocked Webinars
Experience the home buying process at one of our free webinars.
Home Buyer's Handbook
A handbook to help you navigate the home buying journey from start to settlement.
Free ANZ Property Profile Report
Know a home’s potential worth before you buy with an ANZ Property Profile Report.
How to buy a home: the three steps
Sometimes the hardest part is knowing where to start. To help out, we set out the home-buying process in three, easy-to-follow steps.
1 year fixed-rate special
Offer terms, lending criteria, terms, conditions and fees apply.
Know exactly how much your home loan repayments will be by fixing your rate for a set period.
Floating
Allows you to be able to make extra repayments to pay off your home loan sooner.
Flexible
With this revolving credit facility on your everyday transactional account, you have access to credit when you need it and can reduce the overall amount of interest you'll pay. A monthly account fee of $12.50 and other fees and charges may apply.
View all home loan rates, fees and agreements.
Want to know the differences between our home loan options?
Book an appointment
Our Mobile Mortgage Managers can visit you whenever, wherever is convenient for you.
A pre-approved home loan gives you an idea of what you can afford.
We can help with insurance options that ensure you and your family are protected no matter what.
Loan to Value Ratio is one of those things you’ll hear about a lot in the world of home loans. It’s important because it may affect your borrowing power. So what is LVR?
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
Interest rates are subject to change. To get this rate you are required to have a minimum of 20% equity and an ANZ transaction account with your salary direct credited, otherwise standard rates apply. This rate is not available with any package discounts. Lending criteria, terms, conditions, and fees apply.
First home buyer cash contribution: To be eligible for the $3,000 cash contribution you must be a first home buyer, ANZ will determine who is a first home buyer at our sole discretion. Our cash contribution offer is on the condition you stay an ANZ customer for at least 3 years, if you move your banking or lending to another financial institution within 3 years, we may ask you to immediately repay our cash contribution. The cash contribution will be paid on drawdown of your home loan.
* Interest-Free Home Loan Top Ups: This offer is available for a limited time only. ANZ’s lending and security criteria, terms, conditions, and fees apply. An interest-free top up of up to $5,000 for each residential property that secures your home loan is available, with a maximum of four interest-free loans per customer (two per security, up to two securities). Loans must be fully repaid within four years and ANZ will not extend the loan unless there is unforeseen hardship. ANZ will only draw down the loan when you provide a quote and a confirmed installation date from a reputable installer. While ANZ wants you to be warm and cosy, we do not accept responsibility for the quality of the insulation/heat pumps or installation, so please take care selecting your insulation/heat pumps and installer.