Product
Provider
Rate
Fee
Repayment calculator
NZ$
%
Enter property value and deposit to see repayments.
Rates by deposit sizeLVR — Loan-to-Value Ratio
The percentage of the property value you're borrowing. A lower LVR means a bigger deposit and usually a better interest rate.
Example: Property NZ$800k, deposit NZ$160k → LVR = 80% (borrow 80%, own 20%).
| Deposit ≥ 25% | 5.90% |
Higher deposit = lower LVR = better rate
About Flexible Home Loan
ANZ's Flexible Home Loan combines a floating rate with revolving credit features, letting you use your home loan like a large overdraft facility. Your salary goes in, reducing the balance, and you draw on it as needed for daily expenses — potentially saving thousands in interest over the loan's life.
This product suits disciplined borrowers who can manage their spending without a separate transaction account buffer. It's more expensive than a standard fixed rate, so the interest savings depend entirely on how effectively you keep the balance low. Not ideal for those who prefer structured, predictable repayments.