Discounted rates
A discount may be available for selected terms if you refix your home loan or want to move to a fixed rate. Log in to Internet Banking or the BNZ app^ to see the discounted rate, or contact us.^
Compare home loan rates
If you need more help with our rates, fees, or to discuss home loan options, talk to one of our home loan experts. They’ll work with you to find the right solution.
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Home loan rates
These rates apply to all home loans, including those whose interest rate type is still Residential Owner Occupied and Residential Investor.
All interest rates are per annum.
Work out your repayments
All interest rates are per annum.
Existing home loan customers
Step-by-step guide to refixing
BNZ Green Home Loan top-up special
You could borrow up to $80,000 at a 1% p.a. 3 year fixed rate, to pay for eligible upgrades to your home or for electric transport options.^
Low equity premium (LEP)
A low equity interest rate premium will apply to all loans with less than 20% equity (more than 80% Loan to Value Ratio – LVR).
Understanding LVR
Fees
See our personal fees guide (PDF 94KB) and Home Loan Facility Master Agreement (PDF 239KB)^ for more information.
Service fees
- Home loan set up: Up to $150
- Re-fix or roll over: No fee
- Top up your loan: Up to $100
- Redocumentation if required: $50
- $25 each time we have to pay council rates for your property on your behalf
- Staff assisted printout (up to last 25 transactions): $1
- Replacement statement: $1.50 per statement
- International postage: $2
- Rapid Repay revolving home loan: $2 monthly base fee
- Mortgage One revolving home loan: $2 monthly base fee
Security and loan documentation fees
- Preparation of Deed of Lien: $25
- Preparation of agreements - General Security, Specific Security: $50
- Discharge or partial discharge of agreements - Mortgage, Debenture, General Security, Specific Security: $40 per deed
- Execution of Memorandum of Priority of Mortgage: $10 per memo
- Any other deed or security release: $30
- Rates Arrears Fee: $25 per default
Other fees
- Ratelock break fee: $25 per facility
- An early repayment fee may apply. More about early repayment charges
Home loan calculators
Use our calculators as a guide to find out what you could borrow, pay and save.
How much you could borrow
Work out how much you might be able to borrow based on the size of your deposit, your current income and expenses.
Work out your repayments
Finding out what your mortgage repayments might be can help when budgeting for and choosing a home.
Save with an offset loan
Work out how much you might be able to save on interest, and off the overall length of your TotalMoney home loan.
All home loans are subject to our lending criteria (including minimum equity requirements), terms and fees. Interest rates are subject to change. Floating rates can change at any time, including after you enter into your contract. BNZ will publicly announce any changes to floating interest rates. An establishment fee of up to $150 may apply. Not for business purposes.
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