Home Loan Top Up

Top ups can be useful for things like renovating your home, buying a new car or consolidating debt. If topping up your home loan seems like the right option for you, we're here to help.

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What is a home loan top up?

A top up is a way for you to use the equity in your home to borrow more money on top of your existing home loan. You can use a top up to consolidate other high interest debt and reduce your interest costs. Home lending is generally at a lower interest rate than other types of lending as it is secured against your home. We can either combine it with your current loan, or it can be set up as a separate loan.

Taking out a top up can be useful for things like home improvements, buying a new car or dealing with unexpected expenses.

You can check how much you may be able to top up, using our home loan borrowing calculator.

A top up processing fee will apply, click our home loan interest rates & fees to find out more.

Set your home up for the future.

Wanting to make your home warmer, drier or more energy efficient? With an ASB Better Homes top up you could use the funds to heat and cool your home more efficiently, buy an electric or hybrid vehicle or purchase solar panels to save on your power bill.

Find out more

Get started online

Topping up your ASB home loan online is simple and only takes about 10 minutes. You will need details of your income, debts and expenses.

  • Log into the ASB Mobile Banking app, or to FastNet Classic.

  • Click 'menu' in FastNet Classic or 'more' in the ASB Mobile Banking app, then select 'open and apply'.

  • Scroll down to 'home loan top up' to apply online.

  • Follow the steps to complete the form and submit your application.

  • Our team will review your application and be in touch within two business days.

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

To use the ASB Mobile app, you need to be registered for FastNet Classic (ASB internet banking). Please call 0800 MOB BANK (0800 662 226) to register for either. It's free to use the ASB Mobile app, but your usual data costs and standard FastNet Classic transaction and service charges will apply.

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