BNZ
Bank of New Zealand (BNZ) is one of New Zealand's largest banks, offering a comprehensive range of personal and business banking products including home loans, savings accounts, term deposits, credit cards and KiwiSaver.
Home Loans11
See all home loans →| Product | Rate | Term | |
|---|---|---|---|
| Fixed 6 Monthfixed | 4.49% | 6 mo | Details → |
| Fixed 1 Yearfixed | 4.59% | 12 mo | Details → |
| Fixed 18 Monthfixed | 4.79% | 18 mo | Details → |
| Fixed 2 Yearfixed | 4.89% | 24 mo | Details → |
| Fixed 3 Yearfixed | 5.29% | 36 mo | Details → |
| Fixed 4 Yearfixed | 5.59% | 48 mo | Details → |
| Fixed 5 Yearfixed | 5.79% | 60 mo | Details → |
| Mortgage Onefloating | 5.94% | — | Details → |
| Rapid Repayfloating | 5.94% | — | Details → |
| Standard Variablefloating | 5.99% | — | Details → |
| TotalMoneyfloating | 6.09% | — | Details → |
Frequently asked questions
What financial products does BNZ offer?
BNZ offers Home Loans in New Zealand. They have 11 active products available for comparison on RatePal.
What is the lowest home loan rate at BNZ?
The lowest current home loan rate from BNZ is 4.49% p.a. Rates vary by loan-to-value ratio, loan term and individual circumstances. Use RatePal's calculator to estimate your repayments.
Does BNZ offer term deposits?
BNZ does not currently have term deposit products listed on RatePal. Check their website for the latest offerings.
Is BNZ a registered bank in New Zealand?
Yes, BNZ is a registered bank with the Reserve Bank of New Zealand (RBNZ). Deposits are covered by the New Zealand Depositor Compensation Scheme (DCS) up to NZ$100,000 per depositor.
How do I apply for a product with BNZ?
You can apply directly through BNZ's website at https://www.bnz.co.nz. RatePal provides comparison information only — click "Apply now" on any product to go to the provider's official application page.
Rates shown are indicative and subject to change. Always confirm current rates and terms directly with BNZ before applying. Last updated: 3/04/2026.