Manage your ANZ home loan

We know many Kiwis are feeling the impacts of higher home loan rates and day-to-day expenses creeping up. If you’re experiencing financial challenges, there are options we can explore that may help relieve the pressure.

If you'd like to discuss the options below and find out whether they could help you, then please reach out to us as soon as possible. We're here to help and ready to talk.

You may be able to extend your home loan term or switch to interest only repayments for a period of time. We can talk you through these options, whether they're suitable for you and what they may mean over the longer term. Our lending criteria apply. 

We don’t charge a fee to restructure loans, however, we may charge an Early Repayment Recovery if you ask to change your loan during a fixed-rate period. This is the amount we may need to charge to cover any losses, as we give you a fixed interest rate on the basis you won't make any changes to your loan during the fixed-rate period.

Find out how much your repayments might be depending on the loan amount, loan type and term.

If you need some extra funds to help get you through a challenging period, you may be able to apply to top up your existing home loan. We’ll need to check any new lending is both suitable and affordable for you, and our lending criteria apply.

We may be able to find ways to lower repayments and avoid additional fees.

If you’re struggling to keep up with your credit card, personal loan or overdraft, talk to us early. We may have options that can help.

For example, we can check that you are on the lowest rate credit card, help consolidate multiple debts into one or we may be able to make changes to your loan.

This could include extending the term on a personal loan to reduce scheduled repayments.

We understand that things don’t always go to plan, and circumstances can change. Our dedicated financial wellbeing team can work with you and provide information and support that may help you get back on track. Find out how we can help if you’re experiencing a hardship event (e.g. loss of job, illness, a relationship breakdown).