ANZ Home Loans
New Zealand's largest bank
Compare ANZ mortgage rates, products, and features. Australia and New Zealand Banking Group.
Current ANZ Mortgage Rates
Updated May 2026
| Term | Rate | vs Market |
|---|---|---|
| Floating | 5.79% | Carded |
| 6 months | 4.49% | Special |
| 6 months | 5.09% | Carded |
| 1 year | 4.69% | Special |
| 1 year | 5.29% | Carded |
| 18 months | 4.99% | Special |
| 18 months | 5.59% | Carded |
| 2 years | 5.29% | Special |
| 2 years | 5.89% | Carded |
| 3 years | 5.49% | Special |
| 3 years | 6.09% | Carded |
| 4 years | 6.19% | Carded |
| 5 years | 6.29% | Carded |
ANZ Home Loan Features
ANZ Blueprint to Build
Construction loan with progressive drawdowns. Only pay interest on funds drawn.
ANZ Offset
Link savings to your mortgage to reduce interest. Available with floating rate.
First Home Buyer Package
10% deposit options, cashback offers, and dedicated support for first home buyers.
Extra Repayments
Up to 5% extra per year on fixed rates. Unlimited on floating.
ANZ Pros & Cons
Pros
- +Largest branch network in NZ
- +Strong digital banking app
- +Good offset account options
- +Regular cashback promotions
Cons
- -Rates not always the lowest
- -Application fees apply
- -Can be slower to process
ANZ FAQs
What are ANZ's current mortgage rates?
ANZ's carded rates change frequently. See our snapshot at /api/lender/anz/summary.md for the current numbers across all terms, and confirm directly with ANZ before applying.
Does ANZ offer cashback for new mortgages?
ANZ periodically offers cashback deals for new lending and refinancing. Check ANZ's published current offers directly — promotions and amounts change.
Can I get a low deposit home loan with ANZ?
Yes, ANZ offers First Home Loans with 10% deposit for qualifying first home buyers. They also support Welcome Home Loans and family guarantee arrangements.
What fees does ANZ charge for mortgages?
ANZ charges application fees and legal costs that change from time to time — see ANZ's published fee schedule. Low equity margins (LEMs) may apply for loans above 80% LVR.
Next step
Compare ANZ against other big-5 lenders, or visit ANZ directly to apply.
Important: how to read this information
This website is operated by Evolve Group Limited (FSP711891), a Licensed Financial Advice Provider regulated by the Financial Markets Authority (NZ). The information published here is general in nature and is not personalised financial advice. For personalised advice that takes your circumstances into account, request to be matched with one of our licensed mortgage advisers via the enquiry form.
Rate accuracy. The ANZ rates shown here were observed at 21 May 2026, 12:27 pm from ANZ's published carded-rate page. If ANZ has updated their rates since that timestamp, the authoritative source is the lender's page (linked), not our derived figure. Carded rates are advertised rates — the rate you ultimately receive depends on your application, including your LVR, income, credit profile, and any negotiation conducted by a licensed mortgage adviser.
CCCFA + Responsible Lending Code. Final lending decisions are made by the lender under the Credit Contracts and Consumer Finance Act 2003 and the MBIE Responsible Lending Code. Lenders apply servicing-test rates (typically around 8% post-2023), debt-to-income caps (RBNZ DTI 6× owner-occupier / 7× investor from 2024), and Loan-to-Value Ratio limits. Carded rates are not an offer or a pre-approval.
Disputes. If you have a complaint about advice received through this site, contact Financial Services Complaints Limited (FSCL) on 0800 347 257 or info@fscl.org.nz.
Site operated by Evolve Group Limited, FSP711891.
Rates snapshot generator: scripts/snapshot-lenders.mjs.
Machine-readable snapshot: /api/rates/facts.json.