Fix with certainty or float with confidence

Whether you want the certainty of fixed repayments, the flexibility to move your money around – or a combination of the two, we have a home loan to suit. 

% 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.^

Product eligibility criteria applies*^

Grab a great mortgage rate

Choose a fixed or floating rate, or get a combination of the two for ultimate flexibility. See all rates.^

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Our fixed and floating rates and fees

View and compare all of our home loans and choose the one that's right for you. 

Compare home loans now

See our mortgage calculators 

Our fixed and floating home loans

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Fly Buys home loan

Fixed or floating

Collect Fly Buys points^ on your loan balance. Each month you'll collect nine points for loans less than $50K, 34 points for loans between $50K-$149K or 84 points if your loan is $150K or more. Calculate how many Fly Buys points you could earn.

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TotalMoney home loan


A floating loan that takes the combined balances of your TotalMoney everyday and savings accounts and subtracts them from the total owing on your mortgage, potentially saving you time and money.^ Calculate how much you can save.

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Classic home loan


This loan is only available from time to time when we offer a special fixed rate on selected terms. Keep your eye out for these great rates.^

Features of our home loans

Our fixed and floating home loans come with varied features depending on the type of loan.

Total flexibility

Choose one of our fixed or floating rates, or mix and match a combination of the two by splitting your mortgage into fixed and floating portions. 

Tailored repayments

By making a small increase to your repayments each year you could save thousands in interest and shave years off your home loan.^ More about tailored repayments.

Lock in a rate

If you like the look of one of our fixed rates, we can hold it for up to 60 days so you don’t miss out.^

Choose your term

You decide the total length of your home loan with us – it can be any length up to 30 years. 

Option to pay extra

You can repay any amount, anytime with our floating home loans. For fixed loans, repay up to 5% of the outstanding loan balance at the start of your fixed rate term. Not available on Classic home loans. 


Re-draw funds

Access extra repayments you've made on your loan above the required minimum, if you need to. You can't do this while your loan is still on a fixed interest rate.^


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.


We can help you get sorted

Get conditional approval

Know what you can afford so you can move quickly on the home you want.

Request conditional approval

Talk to a mobile mortgage manager

Buying your first home or need help with switching? Our team is here to help and we'll come to you.^

Find a specialist

Switching to us is easy

We do the hard work for you, including finding you the right home loan package and dealing with your current bank. 

Switch to us

Talk to us about restructuring

Our home loan specialists can help you talk through some options and even find you a great rate.

Fine tune your loan

Talk to an expert


Small Print

*Minimum equity requirement. From 1 January 2017, this rate will not be available for some investor lending.

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. Classic fixed rates are only available when you have at least 20% equity in the property provided as security. From 1 January 2017, this rate will not be available for some investor lending. For residential property investors, more equity may also be required where 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.

  3. 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.

  4. TotalMoney Terms and Conditions apply.

  5. 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.

  6. Ratelock fee may apply.

  7. Low equity premium may apply if the amount of your loan increases the LVR of your home loan to 80% or over. Subject to lending criteria. Conditions apply.

  8. Mobile mortgage managers cover the Auckland Region, Hamilton City and surrounds, Tauranga, Napier/Hastings, Christchurch City and surrounds and the Wellington Region.

Read our full home loans terms and conditions