Tell us about your income and expenses and use our calculator to see what you could afford to borrow.
Home loan interest rates
Min 20% equity
12-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
24-month fixed rate
48-month fixed rate
36-month fixed rate
60-month fixed rate
6-month fixed rate
12-month fixed rate
18-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
Buying your first home? Our team is here to help.
Just started thinking about home ownership? Or maybe a real estate app is the most used on your phone? 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.
Whether you're browsing, budgeting, or buying, our team of home buying experts will be with you every step of the way to answer any questions you have.
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.
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 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.
Own your next home
Whether you're upsizing, downsizing or just fancy a change of scene, we can help you 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.
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.
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.
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 the right home loan
Revolving credit home loan
Draw and repay your loan at any time, within your credit limit.
Contact us
Apply online
Ready to take the next step?
Get started with your home loan application online. Provide a few details and one of our home loan specialists will be in touch to complete the next steps with you.
This form will take 5-10 minutes to complete.
We can come to you
Our Home Ownership Managers cover much of the country. Tell us where you are and we'll show you managers in your area.
Visit a branch or call
Visit us at one of our many branches, or call us on 0800 100 600.
ASB’s lending criteria, terms, conditions and fees apply.
