Home loans and mortgages

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

Home loan calculators Contact us

Home loan interest rates

Min 20% equity

12-month fixed rate
18-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

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.

Mortgage Repayment Calculator

Welcome to the new repayment calculator. We hope you enjoy using the new and improved experience.

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.

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Preparing for rising interest rates

With interest rates on the rise, it's important to find out what this means for your home loan, and what steps you can take right now to ensure you remain one step ahead.

We have a range of helpful tips and tools that you can use to get prepared.

Learn more

Thinking of your first home?

If you've just started thinking about home ownership or if you're browsing real estate sites over your morning coffee, we know that buying your first home and navigating a world of acronyms and jargon can be a little tricky. That's where we come in.

We're here to answer all the questions you have, like how much of a deposit you need, how to use your KiwiSaver savings, and the low down on pre-approvals. Wherever you are on your first home buying journey, we can help.

Let's talk

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

Buying an investment property

Looking to buy an investment property? We've got the tools and expertise to support you through every step.

Getting started

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

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.

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Revolving credit home loan

Draw and repay your loan at any time, within your credit limit.

Read more

Contact us

Apply online

Ready to take the next step? Apply online.

Apply online

We can come to you

Our mobile lending managers cover much of the country.

Find a lending manager

Visit a branch or call

Visit us at one of our many branches, or call us on 0800 100 600.

Find a branch

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