Home loans designed around you

Whether you’re a first home buyer, property investor, need more space, or on the move, we’ll help custom build a home loan to suit your needs.

Choose your home loan rate

Compare all our fixed and floating rates^.

- % p.a.
-
-
MINIMUM EQUITY AND PRODUCT ELIGIBILITY criteria APPLIES^
Apply now
- % p.a.
-
-
MINIMUM EQUITY AND PRODUCT ELIGIBILITY CRITERIA APPLIES^
Apply now
- % p.a.
-
-
MINIMUM EQUITY AND PRODUCT ELIGIBILITY CRITERIA APPLIES^
Apply now

Custom built home loans

Whatever stage you’re at, we can design a home loan to suit. 

Home loan calculators

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.

Calculate

Work out your repayments

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

Calculate

Pay it off faster

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

Calculate

Be ready to move with conditional approval

Apply for conditional home loan approval (sometimes referred to as a pre-approval) so you can make an offer when you find a home. 

Free and no obligation

Applying for a conditional home loan approval is free and comes with no obligation.

Quick turnaround

We’ll contact you about your application within two business days.

Valid for 60 or 90 days

Certificates are valid for 60 days if your loan to value ratio (LVR) is over 80%, or 90 days if your LVR is less than 80%.

Flexible options

You can get conditional approvals up to a certain amount.

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

manage it online 2

Manage your home loan repayments online

You can now make changes to your home loan payments on most home loan types in Internet Banking – or find out how a small increase to your payments could make a big saving to the length of your loan, and the amount of interest you pay^.

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. Rates subject to change without notice.

  2. 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.

  3. BNZ Investment Services Limited, a wholly owned subsidiary of BNZ, is the Issuer and Manager of the BNZ KiwiSaver Scheme. Download a copy of the BNZ KiwiSaver Scheme Product Disclosure Statement PDF 1.5MB, or pick up a copy from a BNZ store.

    Investments made in the BNZ KiwiSaver Scheme do not represent deposits or other liabilities of BNZ or any other member of the National Australia Bank Limited group, and are subject to investment risk, including possible delays in repayment and loss of income and principal invested. None of BNZ, any other member of the National Australia Bank Limited group, the Supervisor, any director of any of them, the Crown or any other person guarantees (either fully or in part) the performance or returns of the BNZ KiwiSaver Scheme or the repayment of capital. 

  4. Mobile mortgage managers cover the Auckland Region, Hamilton City and surrounds, Tauranga, Napier/Hastings, Christchurch City and surrounds and the Wellington Region.

  5. Early repayment charges may apply.

Read our full home loans terms and conditions