Interest rates
The following information is current from — and is subject to change. You should seek confirmation of interest rates from ANZ before you take out any home loan.
ANZ lending criteria, terms, conditions and fees apply. Interest rates are subject to ANZ lending criteria, terms, conditions and fees apply. Interest rates are subject to change.
We calculate interest on any amounts you owe on your loan or facility daily. For ANZ Home Loans, we charge interest to your loan monthly in arrears on the first business day of the month. See our ANZ Home Loan Terms and Conditions (PDF 158KB) for details.
For ANZ Flexible Home Loans, we charge interest to your account monthly in arrears on the last business day of the month. See our ANZ Flexible Home Loan Terms and Conditions (PDF 176KB) for details.
Fixed rates
Special interest rate* | Standard interest rate | |
|---|---|---|
6 months | —% p.a. | —% p.a. |
1 year | —% p.a. | —% p.a. |
18 months | —% p.a. | —% p.a. |
2 years | —% p.a. | —% p.a. |
3 years | —% p.a. | —% p.a. |
4 years | — | —% p.a. |
5 years | — | —% p.a. |
The above rates may be in the process of changing and thus may vary for existing customers.
If you do not pay amounts when they are due, we can charge you interest on those amounts at the default interest rate, which is your interest rate + 5.00% p.a.
* Special interest rate conditions
Minimum 20% equity, ANZ transaction account with salary direct credited. Not available with package discounts. Otherwise, standard rate applies.
Interest rates are subject to change. Lending criteria, terms, conditions, and fees apply.
Good Energy Home Loan Top Up
Term | Interest rate | |
|---|---|---|
Good Energy Home Loan Top Up | 3 year fixed rate | —% p.a. |
The ANZ Good Energy Home Loan is only available as a top up to your ANZ Home Loan and only for eligible ANZ Good Energy Upgrades. A maximum of $80,000 lending is available per customer. This offer is available for a limited time only. After the special 3 year fixed rate, ANZ’s Home Loan floating interest rate will apply.
Floating rates
Term | Interest rate | |
|---|---|---|
Floating rate | N/A | —% p.a. |
This rate does not apply to older home loan products that ANZ no longer offers, including ANZ Select or ANZ Select Plus. If your rate isn't listed above, please contact ANZ for more information.
If you do not pay amounts when they are due, we can charge you interest on those amounts at the default interest rate, which is your interest rate + 5.00% p.a.
Flexible rates
Term | Interest rate | |
|---|---|---|
Flexible rate | N/A | —%p.a. |
Rate may differ for existing ANZ customers. Please contact any branch of ANZ for further information.
If you do not pay amounts when they are due, we can charge you interest on those amounts at the default interest rate, which is your interest rate + 5.00% p.a.
If you go over your credit limit, we can charge you interest on those amounts at the excess interest rate, which is the ANZ Flexible Home Loan interest rate plus 7% p.a. We can charge this interest rate on any amount over your credit limit for this facility.
Tideover rates
Term | Interest rate | |
|---|---|---|
Tideover rate | Fixed for up to 6 months | —%p.a. |
If you do not pay amounts when they are due, we can charge you interest on those amounts at the default interest rate, which is your interest rate + 5.00% p.a.
Extra or early repayment
ANZ Home Loan with a floating rate
Minimum extra or early repayment amount | |
|---|---|
Requested in Internet Banking or goMoney app | $100* |
Staff assisted (including Contact Centre and in branch) | $100 or the remaining loan balance, if lower |
You may also have to pay us Early Repayment Recovery if you’re repaying some or all of your loan early during a fixed-rate period.
ANZ Home Loan with a fixed rate during a fixed-rate period
Minimum extra or early repayment amount | |
|---|---|
Requested in Internet Banking or goMoney app | $1,000* |
Staff assisted (including Contact Centre and in branch) | $1,000 or the remaining loan balance, if lower |
*You can repay your loan in full at any time. Please call us on 0800 269 4663 or visit any branch to arrange full repayment.
Fees
The following information is current as at 29 October 2024 and subject to change.
ANZ lending criteria, terms, conditions and fees apply to all loans.
Agreements
Important information
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