i

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.

Apply online Contact us

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

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

Change your repayments, fix a floating home loan and see the impacts of adjustments to your home loan.

Find out more Log in to ASB Home Central

Great reasons to choose us

  • Lending specialists available 7 days a week
  • Home loan pre-approval valid up to 90 days
  • Manage your home loan on mobile and online 24/7
  • Competitive home loan interest rates

Home loan interest rates

Min 20% equity

12-month fixed rate
18-month fixed rate



24-month fixed rate



36-month fixed rate
48-month fixed rate



60-month fixed rate
6-month fixed rate
18-month fixed rate



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

Rates may change. Loan processing fee of up to $400 may apply. After the fixed rate period the Housing Variable Rate will apply. For those with less than 20% equity see here for rates.

Mortgage Repayment Calculator

More home loan calculators

Home loan borrowing calculator

Tell us about your income and expenses and use our calculator to see what you could afford to borrow.

See calculator

Find the right home loan

Fixed interest rate home loan

Make budgeting easier with regular, fixed payments.

Find out more

Variable interest rate home loan

Enjoy flexibility with your loan payments.

Learn more

Revolving credit home loan

Draw and repay your loan at any time, within your credit limit.

Read more

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.

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 Home Ownership Manager, over the phone, or by calling into any ASB branch.

ASB Answers videos

Guides to get you there

We're here to help

Apply online

Start your home loan application online. We'll be in touch to complete the next steps with you.

Get started

Give yourself 5-10 minutes.

Meet in person

One of our team can meet at a time and place that suits you, or you can make an appointment to meet at an ASB branch.

Find a Home Ownership Manager near you.

Log in to book an appointment.

Give us a call

You can pick up the phone and call one of our home lending team, weekdays 8am-6pm and on Saturday 8:30am-5pm.

0800 100 600

+64 9 306 3000 for overseas

Manage loan online

Existing customers can view and manage loans, apply for a top up and more.

Log in to Home Central

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

Home loans Buying your next home