ANZ Home Loans

Take advantage of special interest rates for your home loan if you have your salary credited to your ANZ transactional account.


As one of New Zealand’s largest companies and one of the best-known banking institutions, ANZ takes financial responsibility seriously whether it is dealing with individuals, families, small businesses or farmers.

Currently financing over 30% of home loans in New Zealand with its range of mortgage options, ANZ takes the hard work out of navigating the system with free home loan seminars and Home Loan Coaches to guide you through the process.

Home loans offered by ANZ

  • Fixed rate. When you take out a fixed-rate home loan, your interest rate stays the same for the period you choose between 6 months and 5 years. Rates can vary from 3.65% to 4.85% depending on the term and whether you have a special or standard interest rate. A maximum loan term of 30 years applies, but you can make an extra 5% repayment of the outstanding balance each year without the Early Repayment Recovery penalty.
  • Floating rate. With a floating interest rate mortgage starting at 5.19%, you can make extra repayments whenever you like without penalty. Your interest rate can go up and down depending on what is happening in the market and you can switch to a fixed interest rate at any time.
  • Flexible. A flexible home loan gives you a revolving credit facility on your transactional account with an interest rate of 5.30% and no maximum loan term. No regular payments are required so you can reduce your loan balance when it suits you, but ANZ can ask you to repay the loan or reduce your credit limit. A $12.50 monthly account fee applies.
  • Healthy Home Loan Package. This loan package is available to customers who are buying, building, or renovating a home to a 6 Homestar rating or higher, which means that the home is warmer, healthier and more sustainable. Your full salary will need to be deposited into your ANZ transactional account and you’ll receive a discount of up to 1.00% per annum on your fixed, floating or flexible interest rate.

Features and benefits

  • ANZ Home Loan Coach. From the time that you apply through to purchasing your new home, an ANZ Home Loan Coach will be with you every step of the way.
  • Mobile Mortgage Managers. If you’re not able to make it into an ANZ branch to complete your application and sign documents, a Mobile Mortgage Manager will come to your home or business.
  • Free Property Profile Reports. Usually worth $49, an ANZ Property Profile Report allows you to find out a home’s potential worth for free.
  • First Home Buyer Handbook. Learn more about the home buying process with this useful resource from ANZ.
  • Home loan structure. ANZ has different loan types that can be structured to suit your financial situation. If you start a new job, your repayments can be aligned with your new pay schedule and there may be an opportunity to decrease your payments for a period of time if you are in-between jobs or experiencing financial hardship.
  • Home improvement loan top up. If you need some extra cash for home renovations or landscaping, you can top up your mortgage to help with those costs.
  • Interest-free loan top up for warm homes. To help Kiwis have warm homes, ANZ has pledged $100 million of interest-free loan top ups so you can install heat pumps and installation. You can add an extra $5,000 to your home loan interest-free for up to 4 years.
  • Special interest rates. ANZ offers special interest rates to customers that have a minimum of 20% equity and that have your salary or wages credited into their ANZ transactional account. Otherwise, standard interest rates apply.
  • Property Unlocked Seminars. ANZ hosts a range of free seminars around New Zealand to learn more about buying a new home, investing in property and renovating and building.
  • Home loan pre-approval. So you can shop with confidence, ANZ can provide pre-approval for your home loan.

How do I apply?

Before applying for an ANZ home loan, make sure to evaluate the different loan types on offer and compare rates and terms with other comparable lenders. If you are ready to proceed, you can start the process by calling 0800 269 4663, making an appointment with a Mobile Mortgage Manager, or completing an application form on the ANZ website. Before you start, check that you meet the eligibility criteria and have the correct documentation outlined below.


  • Be at least 18 years of age
  • Be a NZ citizen or permanent resident
  • Have a regular income and can meet the mortgage repayments

Documents required

  • A valid photo ID. This could be your New Zealand Driver’s Licence or your passport.
  • Proof of address. A utility or phone account bill that clearly shows your name and current address.
  • Proof of income. If your salary is already deposited into your ANZ account, you may not need to show your income. If it’s not, you will need to supply payslips or bank statements.
  • Expenses. ANZ requires that you show a breakdown of your expenses including debt repayments, insurance premiums and living costs.
  • Deposit. If you’re buying or building a home you will generally need a 20% deposit, although 10% may be accepted for a home purchase.

Read more on this topic

  • ASB Home Loans With a lending support team available seven days a week and different repayment options, an ASB home loan is worth considering for your property purchase.
  • Westpac Home Loans With First Home Loan and Family Springboard options, Westpac has some helpful options for first time home buyers to consider.
  • SBS Bank Home Loans SBS has partnered with Kāinga Ora to provide First Home Loans for Kiwis with a low deposit, plus there are options for investors and existing homeowners.
  • Co-operative Bank Home Loans Co-operative Bank home loans cater for all kinds of circumstances. First home buyers can apply with only a 10% deposit.
  • TSB Home Loans If you have a minimum of 20% deposit, you’ll be rewarded with a special interest rate when you take out a TSB home loan.
  • HSBC Home Loans With floating, fixed, construction and home equity options, HSBC home loans are worth considering if you meet the eligibility criteria.
  • Resimac Home Loans Discover about non-bank home loan lender Resimac and its products.
  • How to use KiwiSaver to buy a home Your KiwiSaver funds are not just for retirement. Find out how you can use the KiwiSaver First-home Withdrawal to help purchase your first home.
  • Online home loans and lenders Ignoring the online home loan market can see you miss out on a range of competitive deals. Find out more about online lenders.
  • Reverse Mortgages Find out how reverse mortgages can allow you to access the equity in your home to pay for retirement costs.
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