Compare home loan rates

If you need more help with our rates and home loan options, talk to one of our home loan experts. They’ll work with you to find the right solution.


NameTypeFloating^6 months1 year18 months2 years3 years4 years5 years7 years
Offset -%                
Standard/Fly Buys^
Fixed or floating -% -% -% -% -% -% -% -% -%
Fixed     -%   -% -%        
Mortgage One Revolving -%                
Rapid Repay^
Revolving -%                

See low equity interest premiums and default interest rate.

Make an informed decision

How much you could borrow

Work out how much you might be able to borrow based on the size of your deposit, your current income and expenses.

Work out your repayments

Finding out what your mortgage repayments might be can help when budgeting for and choosing a home.

Save with an offset loan

Work out how much you might be able to save on interest, and off the overall length of your TotalMoney home loan.

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. Where applicable, a residential investor margin of 0.25% p.a. will apply.

  1. Rates subject to change without notice.

  2. These rates may differ for existing home loan customers. For more information please call us free on 0800 275 269.

  3. TotalMoney Terms and Conditions apply.

  4. 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 terms and conditions apply.

  5. Additional Account, Service and Facility Fees may apply.

  6. 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.

Read our full home loans terms and conditions