Work out your repayments
Work out what your home loan repayments might be, to help you budget and search for a new home.
Home loans
If you’re buying your first home, thinking of moving your home loan to us, or investing in property, we’re here to help.
{"type":"full","heading":"Home loans","bodyText":"<p>If you\u2019re buying your first home, thinking of moving your home loan to us, or investing in property, we\u2019re here to help.<\/p>","actionLinkHref":"\/personal-banking\/home-loans\/apply-for-a-bnz-home-loan?link=cta#form-header","actionLinkLabel":"Apply for a home loan","supportingLinkHref":"\/personal-banking\/home-loans\/compare-bnz-home-loan-rates?link=header","supportingLinkLabel":"See all rates and fees","theme":"boxed","heroImage":{"height":1000,"position":{"x":"80%","y":"47%"},"title":"home loans header home loans","url":"\/assets\/bnz\/personal-banking\/home-loans\/images\/home-loans-header-home-loans.jpg?89c80e4617f9ba7751d56f481539c2c0f30505a5","width":1840},"heroImage2x":{"height":2000,"position":{"x":"79%","y":"45%"},"title":"home loans header home loans 2x","url":"\/assets\/bnz\/personal-banking\/home-loans\/images\/home-loans-header-home-loans-2x.jpg?e4034aa935b0edfd42888d6dc43f4413160381f0","width":3680},"smallHeroImage":null,"smallHeroImage2x":null}
Home loan calculators
Do the maths on your home loan to get an idea of what you could borrow, pay, or save. When you’re ready, get in touch with one of our home loan experts.
Work out your repayments
How much could you borrow
Work out how much you might be able to borrow based on your income and expenses.
Pay it off faster
A TotalMoney offset loan aims to help you save on interest and pay off your home loan faster.
Home loan types
We’ve got different home loan options to suit different needs.
- Fixed rate
- Floating rate
- Offsetting
- Revolving credit
Low deposit home lending
If you’re a first home buyer with a 5% deposit, we may be able to get you into a house sooner than you think. Get in touch to discuss our low deposit options.
Switch your home loan to BNZ
Our experts help make it easy to move your home loan to BNZ. Plus, if you qualify for Home Loan Switch, you won’t have to find a lawyer or pay legal fees.^
Get in touch
Get a call back
One of our home loan experts can give you a call to talk you through your options, and answer any questions you have.
Book an appointment
Arrange a phone or video appointment on a day and time that suits you.
Switch to BNZ
Our experts help make it easy to move your home loan to BNZ. Plus, if you qualify for Home Loan Switch, you won’t have to find a lawyer or pay legal fees.^
Bank of the Year - Home Loans
We’re proud to receive Canstar’s 2026 Bank of the Year – Home Loans award. This award recognises our home loan products and services for residential and investor customers.
Keep exploring
Buying your first home
Your first home is likely to be your biggest purchase yet. We’re here to help, every step of the way.
Building a house
Whether you’re buying off plans or designing your own home, we can support you through the process.
Investing in property
If you’re looking at investing in property, discover the ways we can help you. Residential investor rates may apply.