Switch your home loan to BNZ

Switching your home loan over to us is simple and hassle free. We understand that moving your loan involves a change to your financial arrangements, so we do everything we can to make it as stress free as possible. 

4.39% 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.?

Minimum equity required.

Let us help you switch

Look for the best deal

We can help you refinance or restructure your loan to fit your situation the best, and check to see if you can reduce the amount of interest you pay on your home loan.

Quick turnaround

If you request a call back, we'll contact you within two business days.

Make it easy

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

Start the switch

Request a call back

Apply online

Call the lending team 0800 080 222 (Mon-Fri, 8am-7pm; Sat, 9:30am-5pm).

Visit us in store


Why switch your home loan to BNZ 

We could help you pay less interest
We have some unique products and home loan features that could help you set up your loan so you can save money on interest and pay off your home loan faster. Find out more about our tailored repayment options.

You could pay off your home loan faster
TotalMoney, our offsetting home loan, could save you thousands in interest and help you be mortgage free faster.

You could get Fly Buys points
We're the only bank that rewards you with Fly Buys points? on the outstanding balance of your home loan each month. More about our Fly Buys home loan

Flexible options
Flexible loans with options to change or restructure for when life changes.

Expert advice
Our home loan experts who can help you find the best solution for your needs. We’ve even got a specific team for residential property investors.

But don't just take our word for it...

Hi BNZ! I have recently switched banks to BNZ, finding it great so far :) Shweta in the banking advisor team totally rocks and is in fact the catalyst for this transition :) Cheers!

— Amar Gill

Shred my mortgage

We want you to be mortgage free sooner. Talk to us about how we could help you shred years and thousands off your home loan.

To calculate how much you could shred off your mortgage, visit shredmymortgage.co.nz

Request a call back


Compare home loan rates, fees, and benefits

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

Compare home loans now

Home loans help and support

If you need some help call the lending team on 0800 080 222 (Mon-Fri, 8am-7pm; Sat, 9:30am-5pm).

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. Rate subject to change. Classic fixed rates are only available when you have at least 20% equity in the property provided as security, but where Auckland residential investment property is involved, more equity may be required, if 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. Not available for packaged offers.

  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.

Read our full home loans terms and conditions