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Last Article Uploaded: Thursday, July 31st, 12:32PM
Mortgage Rates Daily Commentary
Thursday 31 July 2014  Add your comment
Today it's the turn of the smaller banks and lenders

Floating rate increases today at The Co-operative Bank, HSBC and non-bank lender RESIMAC. HSBC continue with its one, two and three year specials, but increase its six month rate.

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Interest rates could fall during the OCR pause

Interest rates could fall further than the Reserve Bank is comfortable with after the latest OCR announcement, economists say.

Friday, July 25th, 11:10AM

Governor Graeme Wheeler hiked the OCR 25 basis points to 3.5% and made it clear that the bank expects to leave it there for a while. “It is prudent that there now be a period of assessment before interest rates adjust further towards a more neutral level,” he said.

Westpac’s economists said the pause signal had been expected. But they said they sensed a market overreaction, and that interest rates could fall...MORE»

What the Reserve Bank said about interest rates

Thursday, July 24th, 9:02AM  3 comments

The Reserve Bank has kept its word and increased the official cash rate. It has also indicated there will be a pause in this tightening cycle. Here is what governor Graeme Wheeler said.

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[MRadio] OCR preview and more on cash contributions

Monday, July 21st, 8:24AM

In Mortgage Rates Radio this week Philip Macalister reports on a new development around bank cash contributions; previews this week's OCR and what it means for borrowers; and has a welcome change of approach from one bank.

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Previous News

Rate hike on, but not a done deal

Friday, July 18th, 1:20PM

You can expect the Reserve Bank to hike its official cash rate next week, and floating rates will follow suit. However, what the central bank says and where interest rates will go after next week is less certain.

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Buddle sentenced

Friday, July 18th, 1:10PM

Former mortgage broker Kerry Buddle has been given a stiff jail sentence.

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HSBC dumps sales targets

Friday, July 18th, 9:28AM

HSBC no longer has sales targets for its staff, and instead has introduced what it calls a holistic approach to treating clients.

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Real estate firm adds finance arm

Wednesday, July 16th, 10:40AM

RE/MAX New Zealand has joined the list of real estate firms which have set up finance arms to assist clients with home loans and insurance.

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[MRadio] Listen to the latest home loan news

Monday, July 14th, 8:11AM

In Mortgage Rates Radio this week Philip Macalister talks about bank cash contributions to entie borrowers; the latest home loan rate changes and specials and the launch of a new real estate agent-linked group.

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MORE NEWS»

Mortgage Rates Table

Full Rates Table | Compare Rates

Lender Flt 1yr 2yr 3yr
AMP Home Loans ▲7.24 5.99 6.29 6.60
AMP Home Loans $200k+ ▲7.14 5.89 6.19 6.50
AMP Home Loans LVR <80% - - 5.85 6.29
ANZ ▲6.74 6.05 6.49 6.65
ANZ LVR > 90 ▲6.74 6.55 6.99 7.15
ANZ Special - - 6.09 -
ASB Bank ▲6.75 6.09 6.40 6.65
ASB Bank Special - 5.95 - -
BankDirect ▲6.75 6.09 6.99 6.65
BankDirect Special - 5.95 - -
BNZ - Classic - - - 6.25
Lender Flt 1yr 2yr 3yr
BNZ - GlobalPlus ▲6.74 5.99 6.39 6.59
BNZ - Mortgage One ▲7.15 - - -
BNZ - Rapid Repay ▲6.74 - - -
BNZ - Std, FlyBuys ▲6.74 5.99 6.39 6.59
BNZ - TotalMoney ▲6.74 - - -
Credit Union Auckland 6.70 - - -
Credit Union Baywide ▲6.45 5.90 6.50 -
Credit Union North 6.45 - - -
Credit Union South 5.75 - - -
eMortgage 6.04 6.15 6.69 7.19
Finance Direct 6.10 6.45 6.69 7.10
Lender Flt 1yr 2yr 3yr
First Credit Union 6.45 - - -
General Finance 5.95 6.25 6.50 7.10
HBS Bank 6.15 5.85 6.20 6.25
HBS Special - - - 5.95
Heartland 6.45 6.75 7.00 7.60
Heretaunga Building Society 6.25 5.85 6.50 -
Housing NZ Corp 6.50 6.00 6.30 6.60
HSBC Premier ▲6.84 5.95 5.99 6.25
HSBC Premier LVR > 80% - - - -
HSBC Special - 5.85 5.85 5.85
Kiwibank 6.40 5.99 6.29 6.29
Lender Flt 1yr 2yr 3yr
Kiwibank - Capped 5.65 6.50 - -
Kiwibank - Offset 6.30 - - -
Kiwibank LVR > 80% - - 5.85 6.29
Liberty 5.64 - - -
Napier Building Society 5.80 6.00 6.70 -
Nelson Building Society ▲6.95 ▲6.15 6.60 -
NZ Home Loans 6.35 6.09 6.40 6.65
Perpetual Trust 7.70 - - -
RESIMAC - lo doc ▲7.59 7.06 7.38 7.82
RESIMAC LVR < 80% ▲6.59 6.06 6.38 6.82
RESIMAC LVR < 85% ▲7.59 7.06 7.38 7.82
Lender Flt 1yr 2yr 3yr
RESIMAC LVR < 90% ▲8.59 8.06 8.38 8.82
SBS Bank 6.15 5.85 6.20 6.25
SBS Bank Special - - - 5.95
Silver Fern 5.95 6.10 6.55 7.05
Sovereign ▲6.85 6.09 6.40 6.65
Sovereign Special - 5.95 - -
The Co-operative Bank ▲6.70 6.00 6.00 6.25
TSB Bank ▲6.74 6.00 6.19 6.60
TSB Special - - 5.80 -
Wairarapa Building Society 6.20 5.75 5.95 -
Westpac ▲6.59 6.09 6.39 6.65
Lender Flt 1yr 2yr 3yr
Westpac - Capped rates - 6.49 6.99 -
Westpac - Offset ▲6.59 - - -
Westpac Special - 5.95 6.09 -
Median 6.59 6.00 6.39 6.60

Last updated: 31 July 2014 9:42am

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