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DTIs and high LVR lending a risk; Robertson intervenes on housing; BNZ brings back LVRs

Wednesday, November 25th 2020, 11:03AM

The Reserve Bank's latest Financial Stability Report highlights rising debt-to-income ratios and high LVR lending as the main risks in the New Zealand mortgage market: [READ ON] 

Grant Robertson has asked the Reserve Bank governor Adrian Orr to consider house price stability when the central bank makes monetary policy decisions, amid growing pressure to curb runaway valuations: [READ ON]

BNZ has followed ANZ and ASB in reimposing loan to value ratio restrictions, after the Reserve Bank flagged plans to bring back LVRs next year: [READ ON]

Tags: BNZ

« How many people are still asking for home loan help?; ICBC rate cutsRecord October mortgage lending; Is a negative OCR now less likely? »

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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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