Let us take the guesswork out of buying a home

Be confident knowing how much you can spend. Find out how you can get pre-approved.  

Home loan special - 5.29% p.a. for 3 years

For one week only, you can grab this very special rate on our Classic home loan2, when you apply by 13 March 2015. You’ll need 20% equity and your everyday banking and one other product with us. Plus, you’ll get 5,000 Fly Buys points with any new lending over $250,000.*

Grab a great mortgage rate

Choose a fixed or floating rate, or get a combination of the two for ultimate flexibility. See all rates.1

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Conditions apply2

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What will my repayments be?

It’s important to factor in what your regular mortgage repayments will be when choosing and budgeting for a home.


How fast can I pay off my home loan?

Work out how many years it will take to pay off your home loan, based on your fortnightly or monthly mortgage repayments.


How rewarding can my home loan be?

Earn Fly Buys points3 or Airpoints Dollars™ 4 if you choose one of our home loans that comes with rewards.


How much can I save with TotalMoney?

Find out how much interest you could save and how many years you could shave off your loan with a TotalMoney home loan5.


totalmoney colourGet mortgage-free faster with TotalMoney

Our TotalMoney home loan takes the combined balances of your TotalMoney everyday and savings accounts and subtracts them from the total owing on your mortgage. You only pay interest on the remaining balance, which could save you time and money. 

Find out more about TotalMoney

Reasons to choose a BNZ home loan

Flexible repayments

Pay off your loan faster and potentially save thousands of dollars in interest with the option to increase your repayments by a small amount each year.6 More about tailored repayments.

A credit card for homeowners

Get a unique credit card at a floating mortgage rate and pay no annual fee. Especially designed for BNZ home loan customers, who have at least 25% equity in their home.  More about HomeAdvantage.

Earn rewards

We're the only bank that rewards you with Fly Buys points3 or Airpoints Dollars™ 4 on the outstanding balance of your home loan each month. See our home loans with rewards.



Home loans help and support

If you need some help call 0800 275 269

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Small Print

  1. Rates subject to change without notice.
  2. Available with a minimum 20% equity and a BNZ transaction account with your salary/wages credited. Not available for packaged offers. Terms and fees apply. For new lending, applications must be made on or before 13 March and rate locked by Friday 20 March.
  3. Fly Buys terms and conditions apply. BNZ (and its related companies) do not guarantee the redemption of Fly Buys or that Fly Buys will continue to be offered for products or services provided by them. The BNZ Fly Buys home loan is also known as the BNZ Standard Home Loan.  Fly Buys collection rates can change without notice.
  4. Air New Zealand Airpoints Programme terms and conditions apply. An Airpoints joining fee may apply.BNZ (and its related companies) do not guarantee the redemption of Airpoints Dollars or that Airpoints Dollars will continue to be offered for products or services provided by them. Airpoints Dollars earning rates can change without notice.
  5. TotalMoney Terms and Conditions apply. 
  6. Tailored home loan repayments are not available on Rapid Repay, Mortgage One, any of our Interest Only loans, or Progressive Drawdown loans. With some fixed interest rates, if you increase the amount of your repayments, make lump sum repayments, or pay off the loan early, you may incur an early repayment charge.
  7. Lending criteria, terms and fees apply. Establishment or redocumentation fees may apply. A Low Equity or Low Doc interest rate premium may apply. Not for business purposes or packaged offers.

*Not available with any other offer. To receive Fly Buys bonus points you must be conditionally approved between 6 March and 13 March. Points will be allocated to your Fly Buys account after the loan is drawn down, which must be completed by 22 May. Fly Buys terms and conditions apply.