ANZ Home Loan with a fixed rate
Know exactly how much your home loan repayments will be by fixing your rate for a set period.
Special interest rates
1 year fixed-rate special*
1 year fixed-rate special*
Rate is unavailable
18 months fixed-rate special*
18 months fixed-rate special*
Rate is unavailable
2 year fixed-rate special*
2 year fixed-rate special*
Rate is unavailable
* Special interest rate requires minimum 20% equity and an ANZ transaction account with salary direct credited, otherwise standard rate applies. Not available with package discounts.
Benefits
All rates
Special interest rate* | Standard interest rate | |
|---|---|---|
6 months | —% p.a.* | —% p.a. |
1 year | —% p.a.* | —% p.a. |
18 months | —% p.a.* | —% p.a. |
2 years | —% p.a.* | —% p.a. |
3 years | —% p.a.* | —% p.a. |
4 years | — | —% p.a. |
5 years | — | —% p.a. |
The above rates may be in the process of changing and thus may vary for existing customers.
Interest rates may fall during your fixed rate period.
If you do not pay amounts when they are due, we can charge you interest on those amounts at the default interest rate, which is your interest rate + 5.00% p.a.
*Special interest rate requires minimum 20% equity and an ANZ transaction account with salary direct credited, otherwise standard rate applies. Not available with package discounts.
ANZ lending criteria, terms, conditions, and fees apply. Interest rates and fees are subject to change.
Features
- The interest rate and repayment amount will stay the same for the fixed rate period.
- When the fixed rate period ends, you can choose to fix it at another rate, or let your loan roll onto the floating rate.
- Fixed home loans generally have lower interest rates than floating or flexible home loans, but they offer less flexibility to make extra repayments.
- Make weekly, fortnightly or monthly repayments.
- No monthly fee. Other fees and charges may apply.
- Maximum 30 year term.
Making additional repayments
If you have an ANZ Home Loan with a fixed rate, there are a couple of ways you can make extra repayments without being charged an Early Repayment Recovery:
- If it’s the first increase that year, you can increase your regular repayments towards your home loan by up to $250 a week.
- Plus, each year you can make an extra lump sum repayment that’s no more than 5% of your current loan amount.
The year runs from the date, or the anniversary of the date, that your fixed rate period started.
When your fixed rate period ends
It’s easy to refix online via ANZ Internet Banking or ANZ goMoney, or if you’d rather refix over the phone, just call an ANZ Home Loan Coach on 0800 269 4663.
Check out our how-to guides for step-by-step instructions on how to re-fix a home loan rate.
ANZ has different loan types
Options are fixed rate, floating rate, or flexible home loans. Or combine different loan types to suit your needs.
How to apply
Calculators
Our Home Loan Check In
No matter who you bank with, our ANZ Home Loan Coaches can work with you to make sure your home loan is structured to suit your needs.
The Home Loan Check In is free, there is no obligation, and it will only take about 15 minutes. Our coaches are happy to talk to you over the phone or in person, whatever suits you.
Guides
Important information
ANZ lending criteria, terms, conditions, and fees apply. Interest rates and fees are subject to change. Read more about our Rates, fees and agreements.
This material is for information purposes only. We recommend seeking financial advice about your situation and goals before getting a financial product. To talk to one of our team at ANZ, please call 0800 269 296, or for more information about ANZ’s financial advice service or to view our financial advice provider disclosure statement see anz.co.nz/fapdisclosure