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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 - 2.69% p.a. fixed for 2 years

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. A loan processing fee of $150 may apply. Min 20% equity required. 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

Calculate what your home loan repayments could be

Focus your property search with ASB Suburb Seeker

KiwiSaver withdrawal information

Guide to buying your first home

Own your next home

Whether you're upsizing, downsizing or just fancy a change of scene, we can help you own your next home.

Get started

Current home loan interest rates and fees

Guide to buying and selling at the same time

Managing your home loan with ASB Home Central

Calculate what your repayments could be

Move my home loan to ASB

Looking to make a change? Our lending specialists are available 7 days a week, 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

Current home loan interest rates and fees

Calculate what your repayments could be

Managing your home loan with ASB Home Central

Home loan application tips

Manage my 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

Managing your home loan with ASB Home Central

Guide to using your home equity to fund your next purchase

Re-fix a rate on my home loan

Calculate what your repayments could be

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

Guide to building your new home

Guide to choosing the right section

Home loan borrowing calculator

Home loan application tips

ASB home ownership webinar series

Join our host Hilary Barry for a FREE three-part home ownership webinar series through Zoom. Whether you own a home or are looking to buy, our ASB and industry experts can provide you with helpful insights into the current housing market. 

  • The housing market in the current environment - Thursday 21 May, 6.00pm to 7.00pm EVENT IS NOW CLOSED
  • First home buyers in the current environment - Thursday 28 May, 6.00pm to 7.00pm EVENT IS NOW CLOSED
  • Owning your home in the current environment - Thursday 4 June, 6.00pm to 7.00pm  REGISTER NOW

Home loan interest rates & specials
Fixed 12 month special rate

Min 20% equity required. Ts&Cs apply.
Fixed 24 month special rate

Min 20% equity required. Ts&Cs apply.
Fixed 18 month special rate

Min 20% equity required. Ts&Cs apply.
Fixed 36 month special rate

Min 20% equity required. Ts&Cs apply.
Fixed 48 month special rate

Min 20% equity required. Ts&Cs apply.
Fixed 60 month special rate

Min 20% equity required. Ts&Cs apply.
Fixed 24 month special rate

Min 20% equity required. Ts&Cs apply.
Fixed 12 month special rate

Min 20% equity required. Ts&Cs apply.
Fixed 18 month special rate

Min 20% equity required. Ts&Cs apply.
Fixed 36 month special rate

Min 20% equity required. Ts&Cs apply.
Fixed 48 month special rate

Min 20% equity required. Ts&Cs apply.
24-month fixed rate
36-month fixed rate
48-month fixed rate
60-month fixed rate
6-month fixed rate
12-month fixed rate
18-month fixed rate
Housing variable rate

See all rates and fees

ASB's lending criteria, terms and fees apply. Interest rates are subject to change. Loan processing fee of up to $400 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

See all calculators and tools here

Find the right home loan

Discover the home loan solution that’s right for you.

Just answer a few questions and we’ll show you some of the options.

Help me choose

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. Use Help Me Choose to structure a loan that may suit you.

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

Visit a branch

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

Find a branch

Any questions?

We’ll help with your ASB home loan query.

Ask us now

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

We're here to help you

Frequently asked questions

help

Manage your loan

ASB’s lending criteria, terms, conditions and fees apply.

Take the guesswork out of financial planning with these helpful home loan calculators

Mortgage repayment calculator

Calculate repayments

Home loan borrowing calculator

See what I could afford

Property investor calculator

See potential returns

Apply for an ASB home loan

You'll need to be over 18 years of age and a New Zealand citizen or permanent resident.

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