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Home loans and mortgages

Whatever you're looking for in a home, we can help you get one step ahead.

Home loan calculators Apply online

A rate to smile about - 2.49% p.a. fixed for 18 months

If you're looking for a place to call home or a stepping stone to something bigger, we have the latest home buying tips and tools to make it a reality. Starting with our latest home loan rate. 

Apply online

ASB's lending criteria and terms apply. Rate may change. A loan processing fee of up to $150 may apply. For loans with less than 20% equity a Low Equity Margin may apply. Rates and fees may change, refer here for other fees and charges. This offer does not apply to bridging loans or loans for business purposes or in conjunction with other ASB discounts or packages.

Get started by selecting a home buying option below

Own your first home

Just getting started? We have home loan experts and online tools to help guide you through your home buying journey.

Find out more

Own your next home

Move your home loan to ASB

Looking to make a change? Our lending specialists are available weekdays 8:00am - 8:00pm or Saturday 9:00am - 5:00pm, making it easy for you to move your home loan to ASB. When you switch to us you could get a better interest rate, please a cash contribution to help towards your costs.

Tell me more

Manage your ASB home loan

ASB home loans are designed to be flexible. You can shape your payments to suit your lifestyle or track your repayment progress and debt-free dates. See how you can manage your loan online when and where it suits you.

Manage my home loan

Build a new home

Building your own home is an exciting time and our home loan experts are here to support you every step of the way.

Find out how

Home loan interest rates

18-month fixed rate



12-month fixed rate
24-month fixed rate



36-month fixed rate
48-month fixed rate



60-month fixed rate
6-month fixed rate
24-month fixed rate



18-month fixed rate



36-month fixed rate
12-month fixed rate
48-month fixed rate
60-month fixed rate
6-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. A Low Equity Margin 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

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

Find the right home loan

Fixed interest rate home loan

Make budgeting easier with regular, fixed payments.

Find out more

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

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. 

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.

Apply online

We can come to you

Our mobile lending managers cover much of the country.

Find a lending manager

Call us

We’re here weekdays 8:00am - 8:00pm or Saturday 9:00am - 5:00pm to answer your home loan questions.

0800 100 600

Any questions?

We’ll help with your ASB home loan query.

Ask us now

Visit a branch

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

Find a branch

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