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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

First home buyers get $2,000 cash. Minimum.

We're giving first home buyers $2,000 cash when you take out a home loan of $250,000 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 $2,000 cash contribution you must have new lending of $250,000 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 ASB home loan (as determined by ASB). The cash contribution is conditional on the applicant agreeing that the loan will remain with ASB for at least 3 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.

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

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

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
18-month fixed rate



36-month fixed rate
12-month fixed rate
24-month fixed rate



48-month fixed rate
60-month fixed rate
6-month fixed rate
Housing variable rate

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

Find the right home loan

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

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

Any questions?

We’ll help with your ASB home loan query.

Ask us now

Visit a branch

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

Find a branch

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