Make yourself at home

Whether you’re a first home buyer, property investor or you’re just on the move, we’ll help you find a home loan that suits.

Choose your home loan rate

See all our home loans or compare our fixed and floating rates.^

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Get started on the right track

Looking for your first home? We’re here to talk through your options, or contact a mobile mortgage manager

How much you could borrow

We can help you work out how much you might be able to borrow based on the size of your deposit, your current income, your financial commitments and any other expenses. 

Calculate now

The application process, simplified

We’ve put together a handy timeline that explains each stage of the home loan application process, from saving your deposit to your first home loan repayment. 

Check out the timeline

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.

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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^.

Small Print

*Minimum equity requirement. This rate is not available for some investor lending. 

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. Apple, the Apple logo, iPhone, iPad, and iPod touch are trademarks of Apple Inc., registered in the U.S. and other countries.  Apple Watch is a trademark of Apple Inc.  App Store is a service mark of Apple Inc.

Read our full home loans terms and conditions