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 Re-fix 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

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

A new extension, a new kitchen or a new addition?

Need to add extra space, make improvements or prepare for a new family member? You could use your equity in your home to borrow more to help pay for it. If you're ready to get started you can apply online for a top-up on your ASB home loan in ASB Home Central anytime. The application will take about 10 minutes to complete and we'll be in touch within 4 business hours.

Get started

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

Home loan interest rates

Min 20% equity

12-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

24-month fixed rate

48-month fixed rate
36-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. 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.

Find the right home loan

Fixed interest rate home loan

Make budgeting easier with regular, fixed payments.

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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

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?

Get started with your home loan application online. Provide a few details and one of our home loan specialists will be in touch to complete the next steps with you.

This form will take 5-10 minutes to complete.

Get started

Speak to a Home Ownership Manager

Our home buying experts cover much of the country.

Find one near you

Call us

We're here weekdays 8:00am - 6:30pm or Saturday 8:30am - 5:00pm to answer your home loan questions.

0800 100 600

Visit a branch

Visit us at one of our many branches across New Zealand.

Find a branch

ASB’s lending criteria, terms and fees apply.

Home loans Managing your home loan