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.

Changes to our home loan rates

For all new lending entered into from 23 October 2018, we have two different interest rate types. Either a Residential Owner Occupied rate^ or a Residential Investor rate^ will apply depending on how your lending is secured.

For all home loans entered into before 23 October 2018, see applicable rates here.

Choose your home loan rate

Our Residential Owner Occupied rates are displayed below. Compare all rates^.

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MINIMUM EQUITY AND PRODUCT ELIGIBILITY criteria APPLIES^
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MINIMUM EQUITY AND PRODUCT ELIGIBILITY CRITERIA APPLIES^
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MINIMUM EQUITY AND PRODUCT ELIGIBILITY CRITERIA APPLIES^
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See our rates for residential property investors

If you’re investing in a residential property, then our Residential Investor rates may apply to you. 

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

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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^.