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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 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 new tool, ASB Home Central. See your current loan position or explore how you could change your repayments to suit you.

Log in to ASB Home Central

  • Try your options before committing to them
  • View up to date information on the estimated value range of your property
  • Fix a floating home loan
  • Re-fix a home loan that's nearing the expiry of its current fixed term
  • Make a one-off payment

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 FastNet Classic 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

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.

Fixed 24 month special rate

Min 20% equity required. Ts&Cs apply.

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

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

ASB’s lending criteria, terms and fees apply.

Home loans Managing your home loan