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 $150 may apply for personal lending (the fee may be different for non-personal lending). Not for business purposes.

A Residential Owner Occupied rate or Residential Investor rate will apply. Find out more. If you entered into a home loan before 23 October 2018 and haven’t been advised that your loan is moving to one of the above interest rate types, see applicable rates here.

Account opening and lending criteria, terms and fees apply. BNZ standard terms and conditions apply to all BNZ transaction and savings accounts. Read full TotalMoney terms and conditions pdf 187kb. Details of our fees can be found in our Fees Guide pdf 136kb. Rates and fees are subject to change.