Compare home loan rates

Confused about rates or home loan options? Talk to our home loan experts – they’ll work with you to help you find the right solution.

4.39% 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. Offer extended.*,5

Minimum equity required.


NameTypeFloating76 months1 year18 months2 years3 years4 years5 years7 years
TotalMoney2,3 Offset -% - - - - - - - -
Standard/Fly Buys 4 Fixed or floating -% -% -% -% -% -% -% -% -%
Classic5 Fixed - - -% - -% - - - -
Mortgage One Revolving -% - - - - - - - -
Rapid Repay6 Revolving -% - - - - - - - -

For other rates, including low equity interest premium, see other home loan rates.


NameRewardsExtra repayments
Interest onlyTailored repaymentsRepayment holiday
TotalMoney - -
Standard/Fly Buys 8 Fly Buys points 9   
Classic -
Mortgage One - - - -
Rapid Repay -   -  - -


General fees for all of our home loans



There is a fee of up to $400 to set up your personal home loan. 10 

Set up for companies

If you want to set up a loan for non-personal lending (such as for an investment property, family trust) you’ll be charged up to 1% of the amount of the loan.

Re-fix / rollover

It won’t cost you anything to re-fix the interest rate on your home loan or to roll it over to a new fixed rate at the end of your fixed period. 

Top up

If you want to use the equity in your home to renovate or pay for a big purchase or event, it'll cost $250 to top up your home loan.11


We charge $250 if you want to make any changes to the terms of your home loan before your term is up for renewal.11

Rates arrears

We’ll charge you $35 each time we have to pay your council rates for your property on your behalf.12

Specific fees for some of our home loans

NameMonthly base fee14Electronic transactions15Manual transactions16
TotalMoney - - -
Standard/Fly Buys  - - -
Classic - - -
Mortgage One $20 - -
Rapid Repay13
$3.50 35 cents 75 cents

For all fees, view our personal fees guide PDF 135KB

Other rates

Low equity interest rate premium

A low equity interest rate premium will apply to all loans with less than 20% equity (more than 80% Loan to Value Ratio - LVR).  For Auckland residential property investors, more equity may be required, where Reserve Bank minimum equity restrictions apply. More about LVR

Loan to Value Ratio Premium
 80.01% to 85%  0.35%
 85.01% to 90% 0.75% 
 90.01% to 95% 1.00% 
 95.01%+ 1.15% 

Default Interest Rate

A Default Interest Rate may apply if a loan repayment is not made when it is due. The Default Interest Rate is the current interest rate that applies to your loan, plus 2.00% p.a.

Home loan calculators


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



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



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


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Small Print

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. TotalMoney terms and conditions apply.
  3. This home loan is not included in group balance calculations for fee rebate or other purposes.
  4. For interest rates applicable to packaged offers, please call us free on 0800 275 269.
  5. This type of home loan is only available from time to time when we offer a special fixed rate on selected terms. 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. Not available for packaged offers.
  6. Additional Account, Service and Facility Fees may apply.
  7. These rates may differ for existing home loan customers. For more information please call us free on 0800 275 269.
  8. 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 terms and conditions apply.
  9. You can make extra repayments up to 5% of the balance of your loan amount at the start of your fixed term, without early repayment charges. 

    For fixed rate loans an early repayment charge may apply.
  10. For individual customers (where the customer is a natural person and not a company/trust) if the loan is primarily for personal, domestic, or household purposes.
  11. For all non-personal lending, including but not limited to cases where investment properties, family trusts or companies are involved, a fee of up to 1% of the loan may be charged for this service.
  12. This fee will be charged to customers who despite notice from BNZ do not pay their Council rates levied against their property. The fee will be charged by BNZ on each occasion it has to pay such outstanding rates on behalf of a customer.
  13. Our usual Service Fees apply and are not included in the Account Fee rebate.
  14. Fees are charged on the last business day of each calendar month and are based on the period between the last business day of the previous calendar month and the second to last business day of the current month, inclusive.
  15. Internet, Electronic (including EFTPOS, Direct Debits and Telephone Banking), Automatic Payments and ATM transactions. Automatic Payments into your account from other parties are classed as Electronic Transactions. Although the Telephone, Internet Banking and ATM services will normally be available 24 hours a day, maintenance of the system is required from time to time. Accordingly certain options may not be available for an average of three hours a week. This maintenance, however will be carried out at times which will cause the least disruption to you.

  16. Cheques, Store and Staff Assisted transactions.

Read our full home loans terms and conditions

Rate subject to change. Offer previously available to 18 October 2015, has been extended until further notice for Classic 2 years.