Home loans custom built around your life

Whether you want your own place, more space, or freedom to travel to that special place, we can help custom build a home loan that reflects your lifestyle and what matters to you.

Home loans as individual as you are

We’ll custom build a home loan that fits around your life, so you don’t have to give up the things you love.

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Growing families

As your family grows, so do their needs.  A home loan that allows for a little extra borrowing could help fund renovations, and a mobile mortgage manager can come to you to get it sorted.

Talk to us about your options

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First home buyers

When you’re ready to get your own place, you may be able to withdraw savings from your KiwiSaver account to contribute to a deposit for your first home.

Talk to us about your options

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Investors

Make your next investment a smart one with a custom built home loan using easy offsetting and lump–sum payments.

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Newlyweds

A home loan with flexible repayments could help make setting up a new home together a smoother transition.

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Travellers

Fitting your home loan around your next trip could be easier than you think with flexible repayments and loan structures.

Talk to us about your options

Tools to help customise your home loan

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Flexible structures

We’ll structure your home loan across multiple terms and products based on your needs. Types of home loans

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Easy offsetting

Reduce the interest you pay by combining the balances of all your everyday accounts, and subtract these from the total owing on your TotalMoney home loan.

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Renovation borrowing

Borrow a little extra or top up your loan to help fund renovations like building a deck or upgrading your bathroom. 

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Flexible repayments

Pay off your home loan as and when it suits you by changing the amount of your regular payments online.

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Lump-sum payments

Pay off your home loan faster and pay less interest overall by making a lump-sum payment.

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Competitive rate

The first step in buying a home is a great home loan rate.  Compare all our home loan rates.

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KiwiSaver

You may be able to withdraw savings from your KiwiSaver account to help buy your first home. KiwiSaver for first home buyers.

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We’ll come to you

Our mobile mortgage managers can come to you to custom build your home loan, and help you switch to BNZ.

Talk to us about a custom built home loan

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