Rating based on 18 reviews

BNZ Bank


  • Low-interest starting from 4.29%
  • Property finance up to $1,000,000
  • Repayment up to 30 years

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BNZ Bank homepage

Author BNZ Bank. Screenshot of BNZ Bank website. [Accessed May 23, 2018]

About BNZ Bank

Whether you’re buying your first home, looking to invest in property or want to refinance your mortgage – BNZ gives you many great reasons to choose us.

Apart from offering one of the most competitive fixed interest rates on the market we offer world-class tools and resources, expert advice and loan features that are simply unmatched by any other bank.

Here to listen and help you

As one of the country's most competitive banks, we're able to offer our customers some of the most advanced banking and lending services at the lowest rates. With us you get more than just great products - you get good service, flexible solutions and a family that's willing to listen to you.

What BNZ Bank can offer you

Our home loan range can easily be considered one of the most diverse and flexible ranges in the country.

Whether you want to repay your loan off quickly or secure small manageable monthly repayments our range can offer you exactly what you need and so much more. We offer conditional approval or pre-approval which you can apply for online.

Financial solutions that can be attained online

At BNZ Bank we offer a range of fast online loans such as personal cash loans and business loans which are easy to qualify for. If you're looking for a no hassle, stress-free and affordable cash loan for yourself or your business - choose us! We also offer low rate home loans which are ideal for first time home buyers and home movers.

BNZ Bank Product Details

  • Loan Type Property finance
  • Interest Rate 4.29 – 5.70% p/a
  • Loan Amount up to $1,000,000
  • Repayment 6 months to 30 years

With lower interest rates & outstanding service, we are the preferred home loan lender in NZ

You can apply for a mortgage with BNZ Bank entirely online and we will assist you with your every need from then on out.

To apply you (and any joint applicant) will have to provide information and supporting documents which include:

  • Employment information including your payslips, a letter from your employer confirming employment
  • Details of your income and expenses
  • Details and proof of any assets and debts
  • For new customers, bank statements for 6 months
  • Identification and the complete loan application

Once we receive the above we will contact you and proceed to work out a home loan package that suits your needs. You can also request a pre-approval certificate or simply contact us to discuss your options.

Affordability is important when it comes to a home loan application

While you might get the best home loan option available, you need to ensure that your credit profile and affordability is in good order. It won’t benefit BNZ Bank in any way if we afford you a home loan but you will struggle to pay it in the long run. As a bank that has your best interest at heart, we will not be doing you any justice. We will advise on what you can do better to enhance your chances of getting your home loan approved in future.

Ensure that you know what you signing up for

It is the responsibility of the client to ensure that they understand all terms and conditions stipulated on the credit agreement. Don’t sign up for the home loan if you are not well acquainted with your role towards fulfilling your payment. Only apply for a home loan if you are certain that you will be able to pay for it.

Need further clarity on your home loan?

Contact us today via phone call or drop us an email if you still need us to answer some of your questions. Our agents will gladly assist.

Customer Reviews & Testimonials

October 2018

The loan application was a fast and easy process. Everything was straightforward and convenient.

Natalie N
— Dipton —

December 2018

Thanks to the consultants at BNZ Loans, I got a credit deal on my home loan.

Tyler S
— Dobson —

March 2019

I was impressed by the quick turnaround time on my loan application. I knew within hours that my home loan application was approved.

Brittney W
— Doyleston —

BNZ Bank Contact Details

Contact Number


  • not available


Physical Address

Postal Address

  • Private Bag 39806, Wellington Mail Centre, Lower Hutt, 5045, New Zealand

Opening Hours

  • Monday 09:00 – 16:30
  • Tuesday 09:00 – 16:30
  • Wednesday 09:00 – 16:30
  • Thursday 09:00 – 16:30
  • Friday 09:00 – 16:30
  • Saturday – Closed
  • Sunday – Closed