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HOME LOAN RATES
  • To find the best rate use the green arrows to sort the table in ascending/descending order.
  • Find out more about a lender by clicking on their logo.
  • To graph comparisons click here

Changes from last:

Lender type:

Term:

Property value:

Loan amount:

Mortgage Lender Floating 6 mth 1 year 18 mth 2 years 3 years 4 years 5 years RC
AMP Home Loans 7.24 5.89 5.69 - 6.19 6.55 6.99 6.49 6.60
AMP Home Loans $200k+ 7.14 5.79 5.59 - 6.09 6.45 6.89 6.39 6.50
AMP Home Loans LVR <80% - - - - 5.75 6.09 - 5.99 -
ANZ 6.74 5.80 6.09 6.15 6.19 6.39 6.49 6.59 6.85
ANZ Special - - 5.59 5.70 5.75 5.99 - - -
ASB Bank 6.75 5.80 5.99 6.09 6.19 6.39 6.39 6.49 6.75
ASB Bank Special - - 5.59 5.70 5.75 5.85 5.99 - -
BankDirect 6.75 5.80 5.99 6.09 6.19 6.39 6.39 6.49 6.75
BankDirect Special - - 5.59 5.70 5.75 5.85 5.99 - -
BNZ - Classic - - 5.69 - 5.75 5.99 - - -
BNZ - GlobalPlus 6.74 5.89 5.89 6.09 6.19 6.29 6.49 6.59 -
BNZ - Mortgage One 7.15 - - - - - - - 6.40
BNZ - Rapid Repay 6.74 - - - - - - - 5.99
BNZ - Std, FlyBuys 6.74 5.89 5.89 - 6.19 6.29 6.49 6.59 -
BNZ - TotalMoney 6.74 - - - - - - - -
Credit Union Auckland 6.70 - - - - - - - -
Credit Union Baywide 6.45 6.10 6.05 6.15 6.20 - - - -
Credit Union North 6.45 - - - - - - - -
Credit Union South 5.75 - - - - - - - -
6.04 6.55 6.15 - 6.69 7.19 7.65 7.90 6.09
Finance Direct 6.10 6.25 6.45 6.60 6.69 7.10 7.45 7.70 -
First Credit Union 6.45 - - - - - - - -
General Finance 5.95 6.55 6.25 - 6.50 7.10 7.65 7.90 6.09
HBS Bank 6.65 5.80 5.69 5.74 5.74 5.99 - 6.49 6.65
HBS Special - - 5.59 5.64 5.49 5.69 - 6.19 -
Mortgage Lender Floating 6 mth 1 year 18 mth 2 years 3 years 4 years 5 years RC
Heartland 6.70 6.90 7.00 - 7.25 7.85 - 8.55 6.70
Heretaunga Building Society 6.70 - 6.00 - 6.30 - - - -
Housing NZ Corp 6.74 - 5.70 - 6.09 6.29 - 6.49 -
HSBC Premier 6.84 5.85 5.45 - 5.65 5.99 6.49 6.79 6.99
HSBC Premier LVR > 80% - - - - - - - - -
HSBC Special - - - - - - - - -
ICBC 6.75 5.80 5.99 6.25 6.39 - - - -
6.65 5.89 5.69 - 6.19 6.55 6.39 6.49 6.65
Kiwibank - Capped 5.65 - 6.50 - - - - - -
Kiwibank - Offset 6.55 - - - - - - - -
Kiwibank LVR > 80% - - - - 5.75 5.89 - - -
Liberty - - - - - - - - -
Napier Building Society 5.80 - 6.00 - 6.70 - - - 5.85
Nelson Building Society 6.95 - 6.15 - 6.60 - - - -
NZ Home Loans 6.85 5.89 6.09 - 6.40 6.65 6.39 6.49 -
Perpetual Trust 7.70 - - - - - - - 5.70
Resimac 6.59 - 6.10 - 6.28 6.43 6.75 6.99 -
SBS Bank 6.65 5.80 5.69 5.74 5.74 5.99 - 6.49 6.65
SBS Bank Special - - 5.59 5.64 5.49 5.69 - 6.19 -
Silver Fern 5.95 6.00 6.10 - 6.55 7.05 7.50 7.80 6.95
6.85 5.80 5.99 6.09 6.19 6.39 6.39 6.49 6.60
Sovereign Special - - 5.59 5.70 5.75 5.85 5.99 - -
The Co-operative Bank 6.70 5.90 5.69 5.75 5.75 5.99 6.40 6.49 6.70
TSB Bank 6.74 5.85 5.95 6.05 6.19 6.30 6.80 7.00 6.74
TSB Special - - - - 5.79 - - - -
Mortgage Lender Floating 6 mth 1 year 18 mth 2 years 3 years 4 years 5 years RC
Wairarapa Building Society 6.20 - 5.75 - 5.95 - - - -
Westpac 6.59 5.80 6.09 6.30 6.39 6.65 6.79 6.99 6.75
Westpac - Capped rates - - 6.74 - 6.99 - - - -
Westpac - Offset 6.59 - - - - - - - -
Westpac Special - - - 5.75 - 5.99 - 6.49 -
Median 6.70 5.89 5.97 5.90 6.19 6.29 6.49 6.49 6.65

Last updated: 15 December 2014 11:07am

Printable version

This table is updated regularly and is intended as a brief guide to residential loans on owner-occupied properties in New Zealand. Users are advised to confirm the rates and conditions that will apply in your particular situation directly with the lender.

Link for Australian visitors: http://www.hsbc.com.au/1/2/personal/home-loans/interest-rates

Terms explained

Floating rate: also known as the variable rate. This fluctuates according to market conditions.
Fixed rate: this rate applies for the length of the loan, which is fixed for a set period. We have given a sample of fixed rate periods only: many lenders offer fixed rate loans for as little as six months, while some go out to seven years.
LVR: this stands for the loan to value ratio and is the maximum percentage of a property's value that the institution will lend to. Check with the lender for any special conditions. Many, for example, may require you take out mortgage insurance if the LVR is over a certain level, or there may be other restrictions such as lending for apartments, which can be to a much lower LVR.
Front-end fees: these are also known as establishment, application or loan approval fees. They are are one-off charges by the lender for setting up the loan.
Capped rate: the maximum rate that will apply to a loan during its capped period. If the floating rate drops below the capped rate applicable then the lower floating rate will apply instead. There is no penalty for paying off lump sums, totally repaying the loan or for increasing your payments.

Disclaimer

Every possible effort has been made to keep the information in this table as accurate as possible, however, neither the publishers of Good Returns nor anyone engaged to compile this table accept any liability for inaccuracies or any loss suffered as a result. It is strongly advised that readers check loan details with providers.

For enquiries about this page contact editor@goodreturns.co.nz.

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