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
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
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.
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.
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
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.
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
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.
