Skip navigation

Refinancing your home loan

When you have a home loan, you'll probably have it for a long time. Do you want to be stuck with your current bank for the term of your mortgage? Switching to BNZ could be a great move.

Why you could be better off switching to us
When you're looking for a home loan, there are plenty of providers, loans and rates to choose from. BNZ has some of the lowest fixed home loan rates amongst the major banks+. It won't just be the interest rate that drives your decision. There are many other factors.

  • Tailored solutions - our mortgage experts can tailor a loan to suit almost any need, whether you want to pay your loan off earlier, keep your repayments low, or simply have the flexibility to do what you want.
  • Tailored Home Loan - this feature is available with most of our home loans, and allows you to pay your loan off at a faster pace, which means you can pay your loan off early and use your money for other things.
  • TotalMoney Variable Home Loan - with TotalMoney offsetting, your home loan can be balanced out by your TotalMoney account balances. The more your cheque and savings balances add up to, the less you'll pay in interest on your TotalMoney variable home loan. We can put all your balances together, and knock their total off your home loan - so you only pay interest on the difference.
  • Proactive account management - we contact our home loan customers at least once a year, giving the opportunity to refix your loan, saving money on higher variable rate interest charges.

It's easy to apply for a BNZ home loan today.

Call 0800 BNZ LOAN (0800 269 562)

Apply now

BNZ home loans are not available through brokers.

 

Our home lending criteria and an establishment fee apply. A Low Equity or Low Doc interest rate premium may apply. Not available for business purposes or packaged offers.
+'Major banks' are ASB Bank (excluding Bank Direct), National Bank, ANZ and Westpac only.