icon-accepticon-affordIconIcon Copyicon-exiticon-experticon-find-loanicon-growicon-manage04 copy 4icon-starticon-things

Home loans and mortgages

Whether you are buying your first or next home, choosing to build or looking for a top up, an ASB home loan could help.

Apply online Contact us

Great reasons to choose us

  • Competitive home loan interest rates
  • Manage your loan on mobile and online 24/7
  • 60 day home loan pre-approval
  • Lending specialists available 7 days a week

How can we help you?

Buying your next home

Whether you're buying a new home to upsize, downsize or just for a change of scene, an ASB home loan could help you take the next step.

Building your new home

Match your home loan to your construction needs. Fixed price or customised build, we have a home lending solution for you.

Buying an investment property

Whether you’re an experienced or first time investor, an ASB home loan could make it easier to grow your property portfolio.

Managing your home loan

An ASB home loan gives you plenty of options to pay off your home loan faster and to make sure it continues to work for you.

Calculator

Interest rates

Housing variable rate

6-month fixed rate

12-month fixed rate

18-month fixed rate

24-month fixed rate

36-month fixed rate

48-month fixed rate

60-month fixed rate

Fixed 12 month special rate

Min 20% equity required. Ts&Cs apply.

Fixed 18 month special rate

Min 20% equity required. Ts&Cs apply.

Fixed 24 month special rate

Min 20% equity required. Ts&Cs apply.

Fixed 36 month special rate

Min 20% equity required. Ts&Cs apply.

Fixed 48 month special rate

Min 20% equity required. Ts&Cs apply.

Fixed 60 month special rate

Min 20% equity required. Ts&Cs apply.

Fixed 6 month special rate

Min 20% equity required. Ts&Cs apply.

See all rates and fees

ASB's lending criteria, terms and fees apply. Interest rates are subject to change. A loan processing fee of $400 may apply.

Find the right home loan

Get started today

01. Calculate

Use our calculators to see how much you may be able to borrow. Talk to us about getting a home loan pre-approval.

02. Choose

We have a range of home loans to choose from. Use Help Me Choose to structure a loan that may suit you.

03. Support

We're here to guide you through the application process. You have our support whenever you need it.

04. Apply

You can apply online, with a mobile lending manager, over the phone, or by calling into any ASB branch.

Apply for an ASB home loan

Apply online

Ready for the next step? Apply online, and we’ll respond within four business hours.

Apply online

We can come to you

Our mobile lending managers cover much of the country.

Find a lending manager

Visit a branch

Visit us at one of our many branches across New Zealand.

Find a branch

Any questions?

We’ll help with your ASB home loan query.

Ask us now

Call us

Speak with one of our lending specialists 7 days a week.

0800 100 600

We're here to help you 24/7

ASB’s lending criteria, terms, conditions and fees apply.