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Your GO Home Loan
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  • Managing your mortgage

    As your circumstances change, it’s easy to make adjustments to your GO Home Loan. You can fix some of your loan, pay it back faster, borrow a bit more or adjust your repayment dates. It’s even possible to take a break from repayments for a short time.  


    • Getting a fixed-rate for all or some of your loan
      Getting a fixed-rate for all or some of your loan

      You can choose to apply a fixed-rate term to any GO Floating Rate Home Loan at any time. Fix some or all of your loan, according to your needs and market conditions.

       

      Choose the right combination

      A wholly fixed rate GO Home Loan account can’t be used as a transactional account, so you may wish to retain at least a portion of your loan as a GO Floating Rate Home Loan.

       

      Advice about how much to fix

      Contact your Adviser about the best combination of GO Floating Rate Home Loan and Fixed Rate GO Home Loan facilities.

       

      Find out about current interest rates

      Before you make a decision, check the current interest rates.

       

      When you’re ready, give us a call

      If you’ve made the decision about how much to fix for how long, contact our Customer Care Team on 0800 500 174, 8am - 5:30pm, Monday to Friday. They’ll put your plans into action. 

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    • Loan top-ups and repayment holidays
      Loan top-ups and repayment holidays

      If you’d like to borrow more money, you can apply for a loan top-up. You can also apply for a loan holiday, which will suspend your loan repayments for up to three months.

       

      How to get a top-up

      If you would like to increase the size of your loan, you can apply for a loan top-up.

      • Loan top-ups are subject to normal lending criteria and are available at our discretion.
      • To apply for a top-up, simply contact your adviser.

       

      How to take a holiday from loan repayments

      A loan holiday will suspend your repayments for up to three months.

      • Your GO Home Loan limit (shown as the ‘required balance’ on your GO Home Loan statement) will not decrease during the holiday period.
      • Interest will continue to accrue on your GO Home Loan balance and be charged to your GO Home Loan account during the holiday, so your GO Home Loan Limit will actually increase to include the interest charged to your loan account.
      • At the end of any holiday period, the amount of your minimum loan repayment will be adjusted and will increase to ensure that you repay your loan within your chosen term.
      • We will notify you of your new minimum loan repayment amount before the loan holiday expires.
      • There must be a minimum of 12 months between the expiry of a loan holiday and the beginning of another.


      Loan repayment holidays are available at our discretion. Requests need to be made in writing, and must be signed by all parties to the loan, and include a reason why the loan repayment holiday is required.

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    • Increasing repayments on your fixed-rate loan
      Increasing repayments on your fixed-rate loan

      Find out how to increase the regular repayment amount on your fixed-rate loan by up to an extra $1,000 per month and pay no early repayment adjustment fee.

       

      Paying your loan back faster can save you thousands of dollars interest. If you can afford to increase your monthly payments, you’ll be better off in the long run.

       

      A few things to consider:

      • You may be charged an early repayment adjustment (ERA) fee if you repay your GO Fixed Rate Home Loan before the end of the fixed term.
      • To avoid a fee and still pay your loan back faster than planned, you can increase your monthly repayments by up to $1,000 per month, or $500 per fortnight without fees, provided you maintain the increased payments for the remainder of the fixed-rate period*. So if you can't keep up the increase, you can save any extra money and make a lump-sum payment when the term ends. Any payments above these will incur an early repayment fee.
      • Once you’ve increased your monthly repayments, you’re required to leave them at the higher level until the end of your fixed-rate term.
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    • Other changes to your loan
      Other changes to your loan

      Talk to us if you need to change your repayment date, change repayment frequency (monthly to fortnightly, or vice versa), or change your contact details.

       

      How to make changes


      Over the phone:

      As long as you have registered your identity password, we are able to action many common changes by phone including change of repayment date, change of repayment frequency (monthly to fortnightly, or vice versa) and change of address details.


      In writing:

      Other types of changes may require you to write us a letter or sign new loan documentation.

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    Existing Home Loan Customers
    • How to pay off your home loan faster
    • GO Home Loan - Managing your mortgage
    Talk to an Adviser
    • Go Online Login Go Online Login

    Need help? Call us on
    0800 500 174
    Mon-Fri 8am-5:30pm

    Terms, Conditions and information

    Terms, Conditions and information
    - +
    GO Home Loan Terms & Conditions
    Memorandum of Mortgage for Mortgage Holding Trust Company

    Fees, limits and interest rates

    Fees, limits and interest rates
    - +
    GO Home Loans Fees & Limits Guide
    Home loan interest rates

    Disclaimer: The information contained on this site is of a general nature and is intended as a guide only, outlining some of the features and benefits provided by Sovereign Home Loans. All GO Home Loans are subject to our Sovereign Home Loan lending criteria. Early repayment adjustments may apply.  For loans with less than 20% equity a Low Equity Margin may apply. The lender is ASB Bank Limited via its nominee Mortgage Holding Trust Company Limited. The transactional account for Sovereign Home Loans is provided by ASB Bank Limited.

    The information contained on this website is general in nature and is not intended as advice. It may not be relevant to individual circumstances and before making any investment, insurance or financial planning decision; you should consult a professional adviser. Copies of our disclosure statements are available on request, free of charge.​

    Contact Us

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    AIA New Zealand Limited
    Private Bag 92499
    Victoria St West
    Auckland 1142

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    CONTACT US

    0800 500 108

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    AIA House, 74 Taharoto Road, Takapuna, Auckland 0622, New Zealand
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