Buying your first home
Buying your first home is life changing. An ASB home loan could help you live your dream.
Tell us about your income and expenses and use our calculator to see what you could afford to borrow.
Home loans and mortgages
Whether you’re buying your first home or fourth, our home loan experts are here to help you confidently own that home.
Home loan interest rates & specials
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. Loan processing fee of up to $400 may apply.
Great reasons to choose us
- Competitive home loan interest rates
- Voted #1 NZ supplier of Home Loans (2016 Reader’s Digest Quality Service Awards)
- Home loan pre-approval valid up to 90 days
- Lending specialists available 7 days a week
How can we help you?
Buying your next home
Whether you're buying a new home to upsize, downsize or just for a change of scene, an ASB home loan could help you take the next step.
Buying an investment property
Whether you’re an experienced or first time investor, an ASB home loan could make it easier to grow your property portfolio.
Building your new home
Match your home loan to your construction needs. Fixed price or customised build, we have a home lending solution for you.
Move your home loan to ASB
Time for a change? An ASB home loan might be just what you are looking for.
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.
Protecting your mortgage payments
We can help you protect what matters most, with our range of life, loan and income insurances.
Mortgage Repayment Calculator
More home loan calculators
Property investor calculator
An ASB home loan could help you grow your property portfolio. See what the costs and returns could be.
Find the right home loan
Discover the home loan solution that’s right for you.
Just answer a few questions and we’ll show you some of the options.
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.
Apply for an ASB home loan
Apply online
Ready to take the next step? Apply online and we’ll respond within four business hours.
Call us
We’re here weekdays 8:00am - 8:00pm or Saturday 9:00am - 5:00pm to answer your home loan questions.
We're here to help you
Frequently asked questions
Manage your loan
ASB’s lending criteria, terms, conditions and fees apply.
