Changing your repayments
Talk to us about changing the frequency, timing or amount of your repayments.
Changing the frequency or timing of your repayments
You can change the frequency of your regular repayments or change the day of month/week they come out. Note that if it is during a fixed rate period, an Early Repayment Recovery may be charged. Early Repayment Recovery is an amount you pay us to reflect the loss we incur when you repay some or all of the loan early during a fixed rate period. Talk to us before you decide to repay early, as any Early Repayment Recovery could be large.
Simply call us on 0800 269 4663 or book an appointment with an ANZ Home Loan Coach in branch.
Increasing your regular repayments
On a fixed ANZ Home Loan
At the end of your fixed rate period
You can increase your regular repayment amount at the end of your fixed rate period when setting up your new fixed rate period. You can do this by using ANZ Internet Banking or the ANZ goMoney app (if eligible), calling us on 0800 269 4663 or booking an appointment in branch with an ANZ Home Loan Coach.
During your fixed rate period
If you currently have an ANZ Home Loan with a fixed rate, and it’s the first increase that year you can increase your regular repayments towards your home loan by up to $250 a week without being charged an Early Repayment Recovery.
The year runs from the date, or the anniversary of the date, that your fixed rate period started.
Simply call us on 0800 269 4663 or book an appointment with an ANZ Home Loan Coach in branch.
On a floating ANZ Home Loan
You can increase your repayments any time with no fee by calling us on 0800 269 4663 or booking an appointment in branch with an ANZ Home Loan Coach.
Reducing your repayments
If your situation changes and you need to reduce your repayments for a while, call us on 0800 269 4663 or book an appointment in branch with an ANZ Home Loan Coach.
We know many Kiwis are feeling the impacts of higher home loan rates and day-to-day expenses creeping up. We have options and resources that could help you manage your loan in the current environment.
Talk to an ANZ Home Loan Coach
ANZ Home Loan Coaches can help you set up or restructure your home loan to suit your circumstances.
Call us today or book an appointment in branch with an ANZ Home Loan Coach.
We're here to help
We understand that things don’t always go to plan, and circumstances can change. Find out how we can help if you’re experiencing financial difficulties.
Find out more about paying your home loan off faster
Important information
ANZ lending criteria, terms, conditions, and fees apply. Interest rates and fees are subject to change.
Our financial advice provider statement has some important information you should know about ANZ and our financial advice services. Please take the time to read it.