Discounted rates
A discount may be available for selected terms if you refix your home loan or want to move to a fixed rate. Log in to Internet Banking or the BNZ app^ to see the discounted rate, or contact us.^
Compare home loan rates
If you need more help with our rates, fees, or to discuss home loan options, talk to one of our home loan experts. They’ll work with you to find the right solution.
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Home loan rates
These rates apply to all home loans. That includes loans with Residential Owner Occupied or Residential Investor interest rate types.
All interest rates are per annum.
Work out your repayments
All interest rates are per annum.
Existing home loan customers
Step-by-step guide to refixing
Better Future home loan top-up special
You could borrow up to $80,000 at a 1% p.a. fixed rate for 3 years, to pay for eligible upgrades to your home or for electric transport options.^
Low equity premium (LEP)
If you have less than 20% equity in your home, you’ll need to pay a low equity interest rate premium. This applies to loans where the loan to value ratio (LVR) is more than 80%.
Understanding LVR
Fees
See our personal fees guide (PDF 94KB) and Home Loan Facility Master Agreement (PDF 239KB)^ for more information.
Service fees
- Home loan set up: Up to $150
- Re-fix or roll over: No fee
- Top up your loan: Up to $100
- Redocumentation if required: $50
- $25 each time we have to pay council rates for your property on your behalf
- Staff assisted printout (up to last 25 transactions): $1
- Replacement statement: $1.50 per statement
- International postage: $2
- Rapid Repay revolving home loan: $2 monthly base fee
- Mortgage One revolving home loan: $2 monthly base fee
Security and loan documentation fees
- Preparation of agreements - General Security, Specific Security: $50
- Discharge or partial discharge of agreements - Mortgage, Debenture, General Security, Specific Security: $40 per deed
- Any other deed or security release: $30
- Rates Arrears Fee: $25 per default
Other fees
- Ratelock break fee: $25 per facility
- An early repayment fee may apply. More about early repayment charges
Home loan calculators
Use our calculators as a guide to find out what you could borrow, pay and save.
How much you could borrow
Work out how much you might be able to borrow based on the size of your deposit, your current income and expenses.
Work out your repayments
Finding out what your mortgage repayments might be can help when budgeting for and choosing a home.
Save with an offset loan
Work out how much you might be able to save on interest, and off the overall length of your TotalMoney home loan.