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Managing your home loan

An ASB home loan gives you plenty of options to pay off your home loan faster and to make sure it continues to work for you.

Apply online Refix a rate

Great reasons to choose us

  • Pay off your fixed rate home loan faster by increasing your regular payments by up to $500 per fortnight for the remainder of your fixed rate period
  • Manage your loan on mobile and online 24/7
  • Refix a rate on your home loan in FastNet Classic and get personalised fixed term home loan rates
  • Make one-off payments to your floating home loan online

Re-fix an existing ASB home loan rate wherever you want.

Find out how you can re-fix your existing ASB home loan rate online via FastNet Classic or through the ASB Mobile app. You can access a range of personalised rates across different terms, and view the repayments, to choose the right option for you.

Plus, if interest rates change on asb.co.nz for the same term that you selected online, we'll apply the lower of the two rates with no early repayment adjustment.

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

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.

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.

Find the right home loan

Guides to get you there

ASB Answers videos

Get started today

01. Apply

Let us make your home loan work for you. Talk to a home loan specialist today.

02. Get approved

If your request is approved, we’ll get back to you with payment details, interest rates and any conditions.

03. Accept and sign

We’ll prepare the required loan documents and send them where they need to go.

04. Confirm

Once we get the documents back, we’ll check all conditions have been met and let you know when any new loan is in place.

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

We’re here to help you 24/7

ASB’s lending criteria, terms and fees apply.

Home loans Managing your home loan