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Buying your first home

Buying your first home is life changing. An ASB home loan could help you live your dream.

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Find suburbs within your budget with ASB Suburb Seeker

ASB Suburb Seeker helps you narrow your search and identify suburbs where houses suiting your needs have sold within your budget. You might want three bedrooms near a school, or a one bedroom apartment with a short travel time to work. Whatever you’re looking for, ASB Suburb Seeker could make it easier to get your search started.

Start searching

ASB Home Central. Visualise your home loan. Explore the possibilities.

Take control of your home loan with our new tool, ASB Home Central.

If you have an ASB home loan, you can view ASB Home Central now by logging in, or you can take a look at our video to learn more.

Apply for a home loan Log in to ASB Home Central

  • Try your options before committing to them
  • View up to date information on the estimated value range of your property
  • Fix a floating home loan
  • Re-fix a home loan that's nearing the expiry of its current fixed term
  • Make a one-off payment

Guides to get you there

ASB Answers videos

Great reasons to choose us

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

Home Loan Borrowing Calculator

More home loan calculators

Mortgage repayment calculator

Use our mortgage repayment calculator to compare home loan rates, terms and repayments

See calculator

Property investor calculator

An ASB home loan could help you grow your property portfolio. See what the costs and returns could be.

See calculator

Home loan interest rates & specials

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 24 month special rate

Min 20% equity required. Ts&Cs apply.

24-month fixed rate
36-month fixed rate
48-month fixed rate
60-month fixed rate
6-month fixed rate
12-month fixed rate
18-month fixed rate
Housing variable rate

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 to take 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

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

Home loans Buying your first home