Your home, your rules
Your home loan should work for you, whatever life stage you’re at. With most custom built home loans, you’ve got the flexibility to adjust your repayments yourself, to save time or money.
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.
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.
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.
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^.
Tools to help customise your home loan
We’ll structure your home loan across multiple terms and products based on your needs. Types of home loans
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.
Borrow a little extra or top up your loan to help fund renovations like building a deck or upgrading your bathroom.
Pay off your home loan as and when it suits you by changing the amount of your regular payments online.
Pay off your home loan faster and pay less interest overall by making a lump-sum payment.
The first step in buying a home is a great home loan rate. Compare all our home loan rates.
You may be able to withdraw savings from your KiwiSaver account to help buy your first home. KiwiSaver for first home buyers.
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