About BankDirect

BankDirect have no branches and lower running costs than any and all of the other banks in the country.

We therefore have minimal operating costs and are able to offer customers the lowest interest rates and the most competitive deals. We're also open when others aren't and you can apply for credit online at any time of the day or night.

Offering the Best the Financial World has to Offer

As an international brand we’re certainly right at the top when it comes to providing customers with the best and most innovative range of lending products and services. So whether it’s online or mobile banking or new ways to do things we’re at the forefront leading the way for the rest!

What BankDirect can offer you

BankDirect offers financial services to individuals only - which means we're focused on you and your needs at all times.

We offer transactional and savings accounts, insurance products, foreign exchange and home loans online 24 hours a day, 7 days a week!

Our Range of Home Loans

We offer a flexible home loans that allows you to make extra payments when it suits you so that you can pay off you loan faster, a variable interest rate home loan which offers you the option to restructure your loan in the future, a fixed rate home loans for those who want fixed, predictable payments and a home loan with a revolving line of credit that allows you to draw up to $50,000.

In a Nutshell

  •  Fixed-rate home loans
  •  Floating-rate home loans
  •  Interest-only home loans
  •  Interest rate From 4.29% to 5.55%
  •  Loan term maximum 30 years
  •  Online application
  •  In-store application

Applying for a Competitive Home Loan with us

Applying for a home loan is a big deal and many customers need to speak to a manager before making an application.

BankDirect will send out one of our mobile lending managers to your place of work to discuss your options and get the process underway. If you already know what you want you can make an online loan application or fill in an enquiry form and we will contact you.

Get your Pre-Approval Certificate

BankDirect can provide you with a pre-approval certificate which is valid for a period of 2 months after issuing. This will provide you with strong bargaining power since sellers will know you have the finance in place to make the purchase while also giving you an exact figure to base your home purchase on. Visit our website to find out more about our flexible home loans or contact us today! 

Eligibility & Requirements

Other Products & Services

  • Banking Services
  • Home Loans
  • Insurance
  • Foreign Exchange and Travel
  • Share Trading
  • Personal Loans

Contact Details

  •  0800 500 400
  •  0800 500 404
 Visit Website


 Postal Address

  • PO Box 35, Shortland Street, Auckland, 1140, New Zealand