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BNZ and SBS rate cuts; DTIs on Reserve Bank's radar; Opportunity at Avanti

Tuesday, August 13th 2019, 10:21AM

BNZ has once again cut its fixed home loan rates. Its 1 year is down to 3.69% for owner occupiers, and 3.94% for investors. Its 3 year, meanwhile, is down to 3.99%, 4.24% for investors.

SBS Bank's floating rate has dropped down to 5.29% this morning. See how current rates stack up here.

Debt-to-income ratios remain on the Reserve Bank's radar. The central bank has released data on the topic for the first time. Here's what they said: [READ ON].

Looking for a job opportunity as a business development manager in the non-bank sector? Avanti Finance is looking for an experienced BDM in Christchurch. Check out the role here: [READ ON].

Tags: Avanti BNZ

« ANZ, BNZ rate cuts; FMA warns on licensingWestpac,TSB, ASB rate cuts; Q Advisor Group sets out licensing stance; Avanti Christchurch role »

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Full Rates Table | Compare Rates

Lender Flt 1yr 2yr 3yr
SBS FirstHome Combo 3.29 3.99 - -
AIA - Back My Build 3.34 - - -
SBS Construction lending for FHB 3.74 - - -
CFML 321 Loans 3.95 - - -
Co-operative Bank - Owner Occ 4.99 4.49 4.89 5.19
Co-operative Bank - Standard 4.99 4.99 5.39 5.69
Heartland Bank - Online 5.30 5.89 - -
ICBC 5.39 4.25 4.59 4.79
Kiwibank 5.65 5.39 5.79 6.05
Kiwibank - Offset 5.65 - - -
Kainga Ora 5.69 4.49 4.49 4.79
Lender Flt 1yr 2yr 3yr
ANZ 5.79 5.09 5.49 5.79
ASB Bank 5.79 4.59 4.95 5.19
TSB Special 5.79 4.39 4.89 5.15
Unity Special 5.79 4.49 4.69 -
Unity Standard 5.79 5.29 5.49 -
BNZ - Std 5.84 4.49 4.69 5.09
SBS Bank 5.84 5.09 5.49 5.75
AIA - Go Home Loans 5.89 4.59 4.95 5.19
Westpac 5.89 5.09 5.49 ▼5.59
Westpac Offset 5.89 - - -
BNZ - Mortgage One 5.94 - - -
Lender Flt 1yr 2yr 3yr
BNZ - Rapid Repay 5.94 - - -
BNZ - TotalMoney 5.94 - - -
Pepper Money Prime 5.99 - - -
Westpac Choices Everyday 5.99 - - -
CFML Home Loans 6.05 - - -
Kiwibank Special 6.15 4.49 4.89 5.25
Wairarapa Building Society 6.15 4.59 4.79 -
CFML Prime Loans 6.25 - - -
Avanti Finance - Near Prime 6.35 - - -
Basecorp Finance 6.35 - - -
China Construction Bank 6.44 4.85 4.95 4.95
Lender Flt 1yr 2yr 3yr
China Construction Bank Special 6.44 5.85 5.95 5.95
First Credit Union Standard 6.49 5.39 5.55 -
Pepper Money Near Prime 6.55 - - -
TSB Bank 6.59 5.19 5.69 5.95
Liberty 6.65 6.55 6.22 6.20
CFML Standard Loans 6.95 - - -
Nelson Building Society 6.99 4.59 4.67 -
ANZ Blueprint to Build 7.39 - - -
Heretaunga Building Society 7.45 5.90 5.80 -
Avanti Finance - Specialised 7.55 - - -
Credit Union Auckland 7.70 - - -
Lender Flt 1yr 2yr 3yr
Heartland Bank - Reverse Mortgage 7.99 - - -
SBS Unwind reverse equity 7.99 - - -
Pepper Money Specialist 8.00 - - -
ANZ Good Energy - - - 1.00
ANZ Special - 4.49 4.69 5.19
ASB Better Homes Top Up - - - 1.00
Co-operative Bank - First Home Special - 4.39 - -
First Credit Union Special - 4.79 4.95 -
Kainga Ora - First Home Buyer Special - - - -
SBS Bank Special - 4.49 4.89 5.15
SBS FirstHome Combo - - - -
Lender Flt 1yr 2yr 3yr
Unity First Home Buyer special - 3.99 - -
Westpac Special - 4.49 4.89 ▼4.99
Median 5.94 4.59 4.95 5.19

Last updated: 20 February 2026 5:03pm

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