ANZ Home Loan – Loan Review
Amount, $50 000 - $1 000 000 ;Term, 1 - 30 years
Applying does not commit you to any agreement.
ANZ Home Loan
ANZ offers home loans for owner-occupiers and investors across New Zealand. Fixed rates are available from 6 months to 5 years, with a floating rate option for flexibility. Fixed rates start from 5.99% p.a. as of 2025 – the actual rate depends on your LVR, property type and financial position.
Applications can be started online or in-branch, with pre-approval available for auction buyers. Full approval typically takes 5-10 working days. An ANZ home loan specialist guides you through each step.
Low deposit options are available for first home buyers with as little as a 5% deposit, subject to conditions. ANZ also offers an Offset account to reduce interest costs.
✓ Pros
- Pre-approval available
- Offset mortgage option
- First home buyer support
- No early repayment fee on floating rates
✗ Cons
- Fixed rate break fees may apply
- 5-10 working days for full approval
- Low deposit loans have stricter criteria
Loan Example
Example: $500,000 over 25 years at 6.29% p.a. (floating) = approx. $3,345/month.
Loan Requirements
- ✓ NZ citizen, permanent or temporary resident
- ✓ Minimum 5% deposit
- ✓ Steady income verified by payslips or tax returns
- ✓ Property valuation required
- ✓ 18 years or older
Loan Features
- Online loans up to $1 000 000
- Term 1 - 30 years
Frequently Asked Questions
1 - 30 years after submitting your application.
The minimum amount at ANZ Home Loan is $50,000.
Yes, ANZ Home Loan offers an online application process. Visit their website to apply.