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Last Article Uploaded: Friday, March 29th, 10:40AM

Mortgages

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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

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Mortgage Lender Floating 6 mth 1 year 18 mth 2 years 3 years 4 years 5 years RC
Heartland Bank - Online 7.99 - 6.69 6.59 6.45 6.19 - - 7.99
SBS FirstHome Combo 6.19 - 6.74 - - - - - -
Wairarapa Building Society 8.60 - 6.95 6.90 6.85 - - - -
Unity 8.64 7.35 6.99 6.89 6.79 - - - -
Co-operative Bank - First Home Special - - 7.04 - - - - - -
ICBC 7.85 7.19 7.05 6.79 6.75 6.59 6.49 6.49 -
China Construction Bank - 7.19 7.09 6.89 6.75 6.49 6.40 6.40 -
AIA - Go Home Loans 8.74 7.29 7.24 6.89 6.79 6.65 6.55 6.55 -
ANZ Special - 7.35 7.24 6.89 6.79 6.65 - - -
ASB Bank 8.64 7.29 7.24 6.89 6.79 6.65 6.55 6.55 8.74
BNZ - Classic - 7.29 7.24 6.89 6.79 6.65 6.55 6.55 -
SBS Bank Special - 7.35 7.24 6.99 6.85 6.65 6.55 6.55 -
Co-operative Bank - Owner Occ 8.40 7.29 7.24 6.99 6.79 6.65 6.55 6.55 8.40
TSB Special 8.64 7.39 7.24 7.19 6.75 6.65 6.59 6.59 8.74
Kiwibank Special - 7.35 7.25 - 6.79 6.65 6.55 6.55 -
Westpac Special - 7.39 7.29 6.95 6.89 6.65 6.59 6.39 -
First Credit Union Special - - 7.45 - 7.35 - - - -
Heretaunga Building Society 8.90 - 7.60 - 7.40 - - - -
Co-operative Bank - Standard 8.40 7.79 7.74 7.49 7.29 7.15 7.05 7.05 8.40
Nelson Building Society 9.00 - 7.75 - 7.35 - - - -
Kainga Ora 8.64 - 7.79 - 7.39 7.25 - 6.99 -
ANZ 8.64 7.95 7.84 7.49 7.39 7.25 7.34 7.34 -
BNZ - Std, FlyBuys 8.69 7.89 7.84 7.49 7.39 7.25 7.15 7.15 -
SBS Bank 8.74 7.95 7.84 7.59 7.45 7.25 7.15 - -
Westpac 8.64 7.99 7.89 7.55 7.49 7.25 7.19 6.99 -
Mortgage Lender Floating 6 mth 1 year 18 mth 2 years 3 years 4 years 5 years RC
First Credit Union Standard 8.50 - 7.99 - 7.85 - - - -
TSB Bank 9.44 8.19 8.04 7.99 7.55 7.45 7.39 7.39 -
Resimac - LVR < 80% 8.84 - ▼8.09 - ▼7.59 ▼7.29 ▼7.09 ▼7.09 -
Kiwibank 8.50 8.35 8.25 - 7.79 7.55 7.45 7.45 8.55
Liberty 8.59 - 8.69 - 8.79 8.94 - - -
Resimac - LVR < 90% 9.84 - ▼9.09 - ▼8.59 ▼8.29 ▼8.09 ▼8.09 -
HSBC Premier 8.59 - - - - - - - -
AIA - Back My Build 6.19 - - - - - - - -
HSBC Premier LVR > 80% - - - - - - - - -
HSBC Special - - - - - - - - -
ANZ Blueprint to Build 7.39 - - - - - - - -
ANZ Good Energy - - - - - 1.00 - - -
Kainga Ora - First Home Buyer Special - - - - - - - - -
ASB Better Homes Top Up - - - - - 1.00 - - -
Kiwibank - Offset 8.50 - - - - - - - -
Avanti Finance 9.15 - - - - - - - -
Basecorp Finance 9.60 - - - - - - - -
Bluestone 9.24 - - - - - - - -
Pepper Money Advantage 10.49 - - - - - - - -
BNZ - Green Home Loan top-ups - - - - - 1.00 - - -
Pepper Money Easy 8.69 - - - - - - - -
BNZ - Mortgage One 8.69 - - - - - - - 7.74
Pepper Money Essential 8.29 - - - - - - - -
BNZ - Rapid Repay 8.69 - - - - - - - 7.74
BNZ - TotalMoney 8.69 - - - - - - - -
Mortgage Lender Floating 6 mth 1 year 18 mth 2 years 3 years 4 years 5 years RC
CFML Loans 9.45 - - - - - - - -
Resimac - Specialist Clear (Alt Doc) - - - - 8.99 - - - -
Resimac - Specialist Clear (Full Doc) - - - - 9.49 - - - -
China Construction Bank Special - - - - - - - - -
SBS Construction lending for FHB - - - - - - - - -
Credit Union Auckland 7.70 - - - - - - - -
SBS FirstHome Combo - - - - - - - - -
SBS Unwind reverse equity 9.95 - - - - - - - -
9.24 - - - - - - - -
Heartland Bank - Reverse Mortgage - - - - - - - - -
Unity First Home Buyer special - - - - 6.45 - - - -
Westpac Choices Everyday 8.74 - - - - - - - -
Westpac Offset 8.64 - - - - - - - -
Median 8.64 7.35 7.29 6.95 7.32 6.65 6.59 6.59 8.40

Last updated: 28 March 2024 9:42am

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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