Make yourself at home

Whether you’re a first home buyer, property investor or you’re just on the move, we’ll help you find a home loan that suits.

Choose your home loan rate

See all our home loans or compare our fixed and floating rates^.

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MINIMUM EQUITY AND PRODUCT ELIGIBILITY criteria APPLIES*^
Apply now
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MINIMUM EQUITY AND PRODUCT ELIGIBILITY CRITERIA APPLIES*^
Apply now
- % p.a.
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MINIMUM EQUITY AND PRODUCT ELIGIBILITY CRITERIA APPLIES*^
Apply now

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Saving for your first home

From working out how much you'll need for a deposit, to how you're going to reach your goal, we're here to help you get started on the right track.

Find out more

KiwiSaver could help you into your first home sooner

You could withdraw savings from your KiwiSaver fund to help you buy or build your first home, and receive grants from Housing New Zealand to make your money stretch even further^.

Be ready to move with conditional approval

Apply for conditional home loan approval (sometimes referred to as a pre-approval) so you can make an offer when you find a home. 

Free and no obligation

Applying for a conditional home loan approval is free and comes with no obligation.

Quick turnaround

We’ll contact you about your application within two business days.

Valid for 60 or 90 days

Certificates are valid for 60 days if your loan to value ratio (LVR) is over 80%, or 90 days if your LVR is less than 80%.

Flexible options

You can get conditional approvals up to a certain amount.

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Manage your home loan repayments online

You can now make changes to your home loan payments on most home loan types in Internet Banking – or find out how a small increase to your payments could make a big saving to the length of your loan, and the amount of interest you pay.

Talk to a mobile mortgage manager

Our mobile mortgage managers will come to you, whether you need help choosing your first home loan, want expert advice or are looking to switch to BNZ^.

Find a mobile mortgage manager

Small Print

*Minimum equity requirement. This rate is not 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. This rate is not 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 break fee and early repayment charges may apply. Some packaged offers may not apply to this rate.

  3. BNZ Investment Services Limited, a wholly owned subsidiary of BNZ, is the Issuer and Manager of the BNZ KiwiSaver Scheme. Download a copy of the BNZ KiwiSaver Scheme Product Disclosure Statement PDF 1.5MB, or pick up a copy from a BNZ store.

    Investments made in the BNZ KiwiSaver Scheme do not represent deposits or other liabilities of BNZ or any other member of the National Australia Bank Limited group, and are subject to investment risk, including possible delays in repayment and loss of income and principal invested. None of BNZ, any other member of the National Australia Bank Limited group, the Supervisor, any director of any of them, the Crown or any other person guarantees (either fully or in part) the performance or returns of the BNZ KiwiSaver Scheme or the repayment of capital. 

  4. 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