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.
ANZ Home Loan repayment example
Indicative repayment scenarios. Always confirm the exact cost of credit on the lender's website before you apply.
| Amount | Fee | Total payment | Term |
|---|---|---|---|
| $30 000 | $3 228 | $33 228 | 5 years |
How to apply for ANZ Home Loan
- Select your amount
- Get your application verified
ANZ Home Loan eligibility requirements
- Be over 18 years of age
- Be a citizen or permanent resident of New Zealand
About ANZ Home Loan
ANZ Home Loan is operated by ANZ Bank New Zealand Limited. Registered location: Victoria Street West, Auckland. New Zealand lenders are expected to operate under the Credit Contracts and Consumer Finance Act (CCCFA) responsible-lending rules — always read the full loan terms before signing.
✓ 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.