If a sharp home loan rate is important to you, you could be better off with a BNZ Classic Home Loan.
Our best rate on selected terms
Our Classic Home Loan gives you our best fixed interest rates on selected terms.
Fixed payments make budgeting easier
The great thing about a fixed home loan interest rate is that your home loan rate - and your repayments - stay the same for the whole fixed period of the loan. This makes managing your budget easier, and that's a great way to be better off.
Mix and match with other BNZ home loans
You can choose to mix and match between BNZ home loans (for example 80% on a Classic Home Loan and 20% on a TotalMoney Home Loan), this means you can reap the benefits offered from both home loan products as well as providing a more flexible home loan to suit your individual needs.
Your Classic Home Loan at a glance
- Sharp home loan rate so you could pay less in interest
- Home loan repayments stay the same over the whole fixed loan period
- Flexible repayment options available, including interest-only
- You can choose to re-fix to another Classic Home Loan at the end of your fixed term or automatically change to our Fly Buys floating home loan rate1
- You can choose to mix and match between BNZ home loans (for example 80% on a Classic Home Loan and 20% on a TotalMoney Home Loan)
- Tailored repayment options are available on this product to help you pay off your loan faster
Lump sums and early repayment
If you plan on making lump sum repayments or paying off your mortgage early, you could be better off choosing a Fly Buys Home Loan. That's because with a Classic Home Loan, you may have to pay an early repayment charge, based on home loan interest rates, the term of your home loan and the time left to run on your fixed term.
It's easy to apply for a BNZ home loan today.
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