Home loan fees and limits


By using your Go Floating Rate Loan as a transaction account, not only do you avoid paying multiple fees on several accounts, you can also enjoy significant savings in other areas.

​Reduce or even eliminate bank fees

You have unlimited free:

  • EFTPOS transactions
  • Internet banking e-cheque, bill payment and automatic payment transactions
  • Telephone banking transactions
  • Loading and changing automatic payments online
  • Loading and changing bill payments online
  • Transactions at ASB ATMs.

We do not charge:

  • Monthly base fees
  • Honour fees
  • Fixed rate roll-over fees
  • Fees for holding an interest rate.


Other useful services

Additional services, such as bank cheques and foreign exchange transactions, are available through ASB Bank branches; however, charges apply to services through the branch network.

Fees, limits and charges

Please refer to the Fees and Limits Guide for a full list of the fees, charges and transaction limits that apply to your Go Home Loan account.  Fees are subject to change at any time.

To view our latest interest rates please refer to Home loan interest rates.

Credit reporting

Since 1 April 2012, credit providers (like banks, finance companies and some utilities) have been allowed to share more information with credit reporters.  This could include the amount of credit you have and how you pay it back.  So, in the future, your credit report will show positive things - like a great track record of paying time.

For more information, please download the Frequently Asked Questions.

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's Go Home Loans. All home loans are subject to our 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’s Go Home Loans is provided by ASB Bank Limited.

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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.​