Get started on the right track

Figuring out how much you might be able to borrow is the first step to buying your new home. 

% p.a. 2 years fixed home loan special

Lock in this great rate on our Classic home loan, when you have your everyday banking and one other product with us.^

Product eligibility criteria applies*^

What are you interested in?

Buying your first home

We can help you to work out what you might be able to afford, and with getting conditional home loan approval so you can be ready to move quickly when you find the home you want.

Work out how much you can borrow

Investing in property

Whether you’re new to property investment or a seasoned investor, our dedicated residential property investment team can help you make the most of your investments.

Residential property investment

Managing your current loan

A few tweaks here and there can help you get more out of your current home loan, whether your goal is getting mortgage free sooner or funding some home improvements.

Fine tuning your home loan

Grab a great mortgage rate

See all our fixed and floating rates.^

- % p.a.


Apply now
- % p.a.


Apply now
- % p.a.


Apply now


How much can I borrow?

Work out how much you could borrow based on your current income and expenses.


What will my repayments be?

Finding out what your mortgage repayments will be, can help when budgeting for and choosing 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 weekly, fortnightly or monthly mortgage repayments.


hs kiwisaverFast track your way to a first home with KiwiSaver

If you're planning to buy or build your first home in the next three to five years, our BNZ KiwiSaver Scheme First Home Buyer Fund could help you get there quicker.  Learn more about buying a home with KiwiSaver. (PDF 501kB)

Join or transfer to the BNZ KiwiSaver Scheme

totalmoney colourGet mortgage free faster with TotalMoney

Our TotalMoney home loan takes the combined balances of your TotalMoney transactional^ 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

Calculate how much you can save

More 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.^ 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 points^ on the outstanding balance of your home loan each month. See our home loans with rewards.



Tony Alexander’s economic commentary

Learn more about housing market trends, interest rates, and foreign economies from BNZ’s chief economist.  

Get conditional approval and be ready to move

Know what you can afford and be ready to move quickly on the home you want. Plus, it's easy to apply for conditional approval.

Request a call backMore about conditional approvals

Talk to a mobile mortgage manager

Whether you need help choosing your first home loan, want expert advice, or looking to switch to BNZ – our team is here to help and we'll come to you.^

Talk to an expert


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How to apply for a home loan

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Looking to renovate?

Whether you’re planning to build a deck or upgrade your bathroom, we can help you find the best way to pay for your renovations.

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House insurance

Having your house properly insured is often a requirement if you have a home loan. Protect yourself against accidental loss or sudden damage to your home. 

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Small Print

*Minimum equity requirement. From 1 January 2017, this rate will not be available for some investor lending. 

All home loans are subject to our lending criteria (including minimum equity requirements), terms and fees. Interest rates are subject to change. An establishment fee of up to $400 may apply for personal lending (the fee may be different for non-personal lending). Not for business purposes.  

  1. Rates subject to change without notice.

  2. Classic fixed rates are only available when you have at least 20% equity in the property provided as security. From 1 January 2017, this rate will not be available for some investor lending. For residential property investors, more equity may also be required where Reserve Bank minimum equity restrictions apply. A BNZ transactional account with your salary or wages credited and one other product is required. A ratelock fee and early repayment charges may apply. Some packaged offers may not apply to this rate.

  3. TotalMoney Terms and Conditions apply.

  4. Tailored home loan repayments are not available on Rapid Repay, Mortgage One, non-table loans, 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.

  5. 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.

  6. Mobile mortgage managers cover the Auckland Region, Hamilton City and surrounds, Tauranga, Napier/Hastings, Christchurch City and surrounds and the Wellington Region.

Read our full home loans terms and conditions