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.
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.
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.
July 2016 changes to loan-to-value ratio (LVR) restrictions
We have made changes to the current loan-to-value ratio (LVR) restrictions, following a proposal by the Reserve Bank of New Zealand in July 2016. These will impact new home loans for owner-occupiers and residential property investors.
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.
Fast 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)
Get 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.
More reasons to choose a BNZ home loan
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.
Talk to an expert
You might also be interested in
How to apply for a home loan
Find out how to apply for a BNZ home loan and what documents you'll need to bring when you visit us in store.
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.
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.
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.
Rates subject to change without notice.
Classic fixed rates are only available when you have at least 20% equity in the property provided as security, but where Auckland residential investment property is involved, more equity may be required, if 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.
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.
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.
Mobile mortgage managers cover the Auckland Region, Hamilton City and surrounds, Tauranga, Napier/Hastings, Christchurch City and surrounds and the Wellington Region.