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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

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

Back My Build variable rate

Whether you’re purchasing a home and land package or building your dream home, the Back My Build variable rate might be perfect for you.

ASB Back My Build variable rate applies to home loan for up to 3 years from initial drawdown. Rate may change at any time.

Back My Build variable rate

ASB Bank Limited’s lending criteria and terms apply. Loan processing fee of up to $400 and a Low Equity Margin may apply. Only available on term loans for building a new residential home. Exclusions apply.

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.

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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

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

Visit a branch

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

Find a branch

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