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Investing in property

An ASB home loan could make it easier to grow your property portfolio.

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Great reasons to choose us

  • Find out how you could use the equity in your existing property or properties to fund additional investments by talking to our dedicated lending specialists.
  • Competitive interest rates
  • A range of flexible home loan options to best suit your needs, including interest-only options for up to 5 years
  • Manage your home loan on the ASB Mobile app and online 24/7
What do the LVR restrictions mean for me?

The RBNZ has restricted how much lending banks can offer that is 'high-LVR'. For an owner occupied property, high-LVR is where the lending is more than 80% of the property value, and for residential investment properties when the lending amount is greater than 60% of the property value. There are exemptions to the LVR restrictions, and at ASB we'll take an overall view of your equity position to help you grow your property portfolio.  If you'd like to know more or discuss your position, talk to our home loan investment specialists about your situation on 0800 242 360. For more information of these changes view the full RBNZ guide to borrowing, which provides some helpful FAQS.   

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.

24-month fixed rate

6-month fixed rate

12-month fixed rate

18-month fixed rate

36-month fixed rate

48-month fixed rate

60-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.

Property Investor Calculator

More home loan calculators

Mortgage repayment calculator

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

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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

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.

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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

Guides to get you there

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.

We’re here to help you 24/7

ASB’s lending criteria, terms and fees apply.

Home loans Investing in property