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Understanding borrowing

How to choose and manage debt such as home loans, credit cards, overdrafts and personal loans – including tips to pay it off faster. 

How to manage higher home loan interest rates

Interest rates have risen over the past few years. How might this impact you and what steps could you take to manage your home loan?

Higher home loan interest rates

Also in this section

Nice ways to say 'no I can't afford that'

Whether it’s a Friday night pub meal with your pals or a weekend away with the whānau, sometimes you just have to say no.

Ways to say I can't afford it

Managing your home loan in a changing economy

Unexpected events, rising rates and cost increases make it harder to meet repayments. Here are strategies you could use to in good times, and not so good times.

Home loan in a changing economy

Plan your way out of a financial curveball

Do you regularly use a budget? That’s great. But chances are that during tough times you’re going to need to create an emergency version.

Financial curveballs

Guides

Understanding credit cards

From card limits to interest-free days, pick up tips on how to stay on top of your credit card debt.

Understanding credit cards

Understanding overdrafts

All about overdraft interest, fees, and when this type of debt might work for you.

Understanding overdrafts

Understanding personal loans

Work out if a personal loan might suit your situation, then pick up tips on how to manage this debt well.

Understanding personal loans

Consolidate your debts

Combining all your debts into one personal loan could help if you're struggling to juggle changing rates and different payment dates.

Debt consolidation

Top tip

To help you save or reduce debt, try paying yourself first. This means setting up regular payments each payday to move money into your savings or loan repayments.

It's a good way to make sure your money goes where it'll benefit you most.

Related tools and services

Budget calculator

Plan your spending and saving with our budget calculator. Plug in your after-tax income and main expenses to create a budget that works for you.

Budget calculator

Personal loan repayments calculator

Use our calculator to work out how much you can afford to borrow and what your repayments could be.

Personal loan repayments calculator

Home Loan Check In

ANZ Home Loan Coaches can help you set up or restructure your home loan to suit your circumstances. It’s free, no obligation, and it’ll take about 15 minutes. 

Request a Home Loan Check In

Steps to financial wellbeing

Our financial wellbeing programme can help. Try one step or two, or work through the programme's six steps in any order.

Plan your spend

Tips to understand your needs and wants, and then track how you spend your money.

Plan your spend

Managing debt

Tactics to keep debt under control, plus tips on when borrowing money may be helpful.

Managing debt