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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 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
18-month fixed rate



24-month fixed rate
36-month fixed rate
48-month fixed rate
60-month fixed rate
6-month fixed rate
12-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.

Home loan calculators

See how much I could borrow

Tell us about your income, debts and expenses, and we'll give you an estimate of what you could afford.

Borrowing calculator

Calculate what my repayments could be

Compare different interest rates, terms and repayment amounts.

Repayment calculator

First home buyers get $5,000 cash. Minimum.

We're giving first home buyers $5,000 cash when you take out a home loan of $200,000 or more.

Whatever you're looking for in a home, we can help.

Apply online

ASB's lending criteria and terms apply. To be eligible for the $5,000 cash contribution, you must have new lending of $200,000 or above. The lending must be for purchasing a home to be owner-occupied by the applicant(s) and must be the applicant's first home loan (as determined by ASB). The cash contribution is conditional on the application agreeing that the loan will remain with ASB for at least three years, and if the loan is repaid within that time, a pro-rata portion of the cash contribution, based on the remaining months left, will be repaid to ASB. This offer cannot be used in conjunction with any other ASB cash contribution offer. 

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

Set your home up for the future.

Want better insulation? Better glazing? Better heating? These are just some of the ways you could help to make your home drier, warmer, or more energy efficient.

How about a better vehicle? Use an ASB Better Homes Top Up to purchase a hybrid or electric vehicle, which could help to reduce your day-to-day fuel costs.

Set your home up for the future, with an ASB Better Homes Top Up.

Get started online Find out more

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

Time for a change? An ASB home loan might be just what you are looking for. Our lending specialists are available weekdays 8:00am – 6:30pm or Saturday 8:30am – 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, plus 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.

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

We're here to help

Apply online

Start your home loan application online. We'll be in touch to complete the next steps with you.

Get started

Give yourself 5-10 minutes.

Meet in person

One of our team can meet at a time and place that suits you, or you can make an appointment to meet at an ASB branch.

Find a Home Ownership Manager near you.

Log in to book an appointment.

Give us a call

You can pick up the phone and call one of our home lending team, weekdays 8am-6pm and on Saturday 8:30am-5pm.

0800 100 600

+64 9 306 3000 for overseas

Manage loan online

Existing customers can view and manage loans, apply for a top up and more.

Log in to Home Central

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