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Home loans

When you're ready, the ASB Home Team is here to help you take the next step.

Talk to an expert Home loan calculators

Where are you on your home ownership journey?

No matter where you're at, we can help.

Our home team is here to help.

If you're browsing, budgeting, or buying, our team of Home Ownership Managers will be with you every step of the way to answer any questions you have.

Whether you'd like to meet with us in your home, or at an ASB advice centre, we have home buying experts that can meet at a time and place that suits you.

Find an expert near me

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. 

Home loan interest rates

Min 20% equity required

6-month fixed rate
12-month fixed rate
18-month fixed rate



24-month fixed rate



36-month fixed rate
48-month fixed rate



60-month fixed rate
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
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 all interest 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

What's new?

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.

Log in to book an appointment.

Find an expert

Give us a call

You can pick up the phone and call one of our home lending team, weekdays 8:00am-6:30pm and on Saturday 8:30am-5:00pm.

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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