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Variable home loans

Make lump-sum repayments whenever you choose.

Variable home loans have the flexibility to fit with your lifestyle. They give you the option to make lump-sum repayments, or repay the loan completely, without having to worry about early repayment charges. They're ideal when interest rates are falling. Plus, you can change to a fixed home loan whenever you choose.

Get a BNZ home loan and you could get the HomeAdvantage MasterCard

You could get rewarded with a low purchase interest rate credit card, if you have a home loan with BNZ. The HomeAdvantage credit card also has no annual card account fee and lets you earn Fly Buys points and other rewards.

Find out more about the HomeAdvantage MasterCard

TotalMoney home loan

Reduce the amount of interest you pay by pooling your, and your family's, savings. Offsetting mortgages can reduce the amount of interest you pay.

  • Use your savings to reduce the effective interest rate on your mortgage
  • Option to make extra repayments

Fly Buys home loan

Collect Fly Buys Bonus Points on all outstanding balances.

  • Tailored repayment option
  • Choose a fixed, variable or combination of interest rates

GlobalPlus home loan

Earn Airpoints Dollars on all outstanding balances.

  • Tailored repayment option
  • Choose a fixed, variable or combination of interest rates

Mortgage One home loan

Save on interest by using your savings and income to lower the daily balance of your loan.

  • Gives you immediate access to your money
  • Flexibility to redraw up to a non-reducing limit

Rapid Repay home loan

A flexible home loan and transaction account all in one.
  • Pay your loan off faster
  • Save on interest by using your savings & income to lower the daily balance of your loan
  • Redraw up to your reducing limit whenever you like

Things to be considered

You can split your borrowing between a variable and a fixed home loan. This can give you the best of both worlds. You’ll have the freedom to make lump-sum repayments on your variable loan without paying fees, plus the certainty of a fixed interest rate for your other loan.