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Managing your home loan

You can refix your ASB home loan in seconds within the ASB Mobile Banking app. Access personalised interest rates, and options to get debt free faster, within Home Central.

Refix your ASB home loan Contact us

Manage your loan online with ASB Home Central

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

Home Loan Application Tracker

Another innovation from Canstar’s Bank of the Year for Digital Banking.

  • Step-by-step visibility you’ll know exactly where your application stands at every stage
  • Track your application in real time with status updates
  • Get expert support when you need it from our dedicated lending specialists

Home loan calculators

See how much I could borrow

Tell us about your income, debts and expenses, and we'll give you an estimate of what you could afford.

Borrowing calculator

Calculate what my repayments could be

Compare different interest rates, terms and repayment amounts.

Repayment calculator

Home loan interest rates

Min 20% equity

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
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

Rates may change. After the fixed rate period the Housing Variable Rate will apply. For those with less than 20% equity see here for rates.

How to re-fix your home loan rate online

Access personalised interest rates when you re-fix your ASB home loan in the ASB Mobile Banking App or FastNet Classic. Follow these easy steps.

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

Guides to get you there

We're here to help

Apply online

Apply for a new home loan, or to switch your existing home loan to ASB. We'll be in touch to confirm the next steps. Give yourself 5-10 minutes.

Get started

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 8:00am-6:30pm and on Saturday 8:30am-5:00pm.

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 and fees apply.

Home loans Managing your home loan