All home loans are subject to our lending criteria (including minimum equity requirements), terms and fees. Interest rates are subject to change. Not for business purposes. A low equity interest rate premium applies to lending with loans with less than 20% equity.

You can view the rates that apply to all home loans, including those whose interest rate type is Residential Owner Occupied or Residential Investor, on our compare page.

Account opening and lending criteria, terms and fees apply. BNZ standard terms and conditions apply to all BNZ transaction and savings accounts. TotalMoney terms and conditions pdf 187kb also apply to TotalMoney accounts. Details of our fees can be found in our Fees Guide pdf 136kb. Rates and fees are subject to change.

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