Home loan options simplified

We can help you choose the type  of home loan that best suits your budget and lifestyle.

Fixed rate (Classic)

Our fixed interest rate Classic home loan, is great for those who like the certainty of knowing exactly how much each regular repayment will be. Choose from weekly, fortnightly or monthly repayments, for the fixed term of the loan. Minimum equity and product eligibility criteria applies^. More about fixed rate home loans

Apply for a Classic home loan

Compare our home loan rates and fees

Fixed or floating rate (Standard/Fly Buys)

Our Standard/Fly Buys home loan^ is ideal for those who want flexibility, and like to earn rewards. You can make extra or lump sum repayments if you’re on a floating rate, and if you’re on a fixed rate, you may also be able to make some additional repayments per year^. More about fixed and floating rate home loans

Apply for a Standard home loan

Compare our home loan rates and fees

Offset (TotalMoney)

TotalMoney is great for those who want to save on interest and pay off their home loan faster, using the balances of their everyday accounts. TotalMoney looks at the combined balances of your TotalMoney everyday accounts and subtracts these from the balance of your TotalMoney home loan, so you only pay interest on the remaining amount^More about TotalMoney

Apply for a TotalMoney home loan

Compare our home loan rates and fees

Revolving (Rapid Repay and Mortgage One)

A revolving home loan is like having a big overdraft on an everyday transaction account. Your income is direct credited into the home loan account and you use it to pay your expenses as and when you need to. Keeping your daily balance as low as possible will mean you’ll pay less interest, and a floating interest rate means you can still make lump-sum repayments whenever it suits. More about revolving home loans

Apply for a revolving home loan

Compare our home loan rates and fees

Features of our home loans

Structured to suit

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^.

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^.

Range of term options

We offer home loan terms of up to 30 years, and can work with you to choose the best term for your circumstances.

Option to pay extra

You can repay any amount, anytime with our floating home loans. For fixed loans, you may be able to make some additional repayments per year^. Not available on Classic home loans.

Re-draw funds

You may be able to access extra repayments you’ve made on your loan above the required minimum, if you need to^. This is only available while your loan is still on a floating interest rate.

Talk to a mobile mortgage manager

Our mobile mortgage managers will come to you, whether you need help choosing your first home loan, want expert advice or are looking to switch to BNZ^.

Find a mobile mortgage manager

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. Classic fixed rates are only available when you have at least 20% equity in the property provided as security. This rate is not 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 break fee and early repayment charges may apply. Some packaged offers may not apply to this rate.

  2. 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.

  3. Terms and conditions and early repayment charges may apply.

  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. Terms and conditions and early repayment charges may apply.

  6. Ratelock break 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