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Mortgage Rates Daily Commentary
Friday 31 July 2015  Add your comment
Now BNZ and Westpac have been beaten

HSBC has come out and taken a market leading position with one, two and three year rates. Details here.

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HSBC does it again

HSBC has launched an interest rate of 4.49% for its one, two and three-year fixed-term residential mortgages.

Friday, July 31st, 11:28AM  1 comment

These special home loan rates are being offered to new and existing HSBC Premier customers.  To qualify, customers must have at least 20% deposit or equity – 30% in the case of new residential investment lending on Auckland housing - and have their salary credited to a HSBC transaction account.

“We are pleased to be able to pass on the benefit of the current low interest rate environment to our customers by offering this market-leading home loan rate in New Zealand of 4...MORE»

More OCR cuts are on the way - RBNZ

Wednesday, July 29th, 10:32AM

The Reserve Bank has confirmed that further OCR cuts are likely to be needed.

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No surprises in Reserve Bank's move

Thursday, July 23rd, 11:05AM

Little surprise followed the Reserve Bank’s OCR cut this morning - and further cuts are now generally expected to come this year.

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Previous News

OCR cut to 3%

Thursday, July 23rd, 9:08AM

New Zealand's softening economic outlook and low inflation has led the Reserve Bank to cut the OCR to 3% today.

 

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Why the Reserve Bank cut the OCR today

Thursday, July 23rd, 9:02AM

Reserve Bank governor Graeme Wheeler explains why the Official Cash Rate was cut today.

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Banks hit LVR brakes

Tuesday, July 21st, 6:00AM

Banks are closing the door on low-equity Auckland property investors, even before the Reserve Bank rules kick in.

MORE»

OCR cut on the cards this week

Friday, July 17th, 5:13PM

Predictions of multiple OCR cuts by the end of the year are coming thick and fast - with the next one expected on Thursday.

MORE»

Former AIA executive joins mortgage business

Thursday, July 16th, 12:36PM

MORE»

MORE NEWS»

Mortgage Rates Table

Full Rates Table | Compare Rates

Lender Flt 1yr 2yr 3yr
ANZ 6.24 5.10 5.59 5.59
ANZ Special - 4.89 4.99 -
ASB Bank 6.50 ▼5.05 ▼5.25 ▼5.35
ASB Bank Special - ▼4.69 ▼4.89 ▼4.99
BankDirect 6.50 ▼5.05 ▼5.25 ▼5.35
BankDirect Special - ▼4.69 ▼4.89 ▼4.99
BNZ - Mortgage One ▼6.65 - - -
BNZ - Rapid Repay ▼6.24 - - -
BNZ - Special - - ▼4.69 -
BNZ - Std, FlyBuys ▼6.24 5.19 5.39 5.29
BNZ - TotalMoney 5.99 - - -
Lender Flt 1yr 2yr 3yr
Credit Union Auckland 6.70 - - -
Credit Union Baywide 6.45 5.75 5.75 -
Credit Union North 6.45 - - -
Credit Union South 6.45 - - -
Finance Direct 6.10 6.45 6.69 7.10
First Credit Union 6.45 - - -
HBS Bank 6.14 5.39 5.39 5.39
HBS Special - 4.99 4.99 4.99
Heartland 6.70 7.00 7.25 7.85
Heretaunga Building Society 6.45 5.10 5.40 -
Housing NZ Corp 6.49 5.19 5.49 5.59
Lender Flt 1yr 2yr 3yr
HSBC Premier 6.60 4.89 4.89 ▼4.99
HSBC Premier LVR > 80% - - - -
HSBC Special - ▼4.49 ▼4.49 ▼4.49
ICBC 6.75 5.99 6.39 -
Kiwibank 6.15 5.39 5.49 5.69
Kiwibank - Capped - - - -
Kiwibank - Offset 6.40 - - -
Kiwibank Special - 5.09 4.99 5.39
Liberty - - - -
Napier Building Society 6.50 5.80 6.70 -
Nelson Building Society 6.70 5.65 5.95 -
Lender Flt 1yr 2yr 3yr
NZ Home Loans 6.60 5.39 5.49 6.29
Perpetual Trust 7.70 - - -
Resimac 5.84 5.60 5.65 5.79
SBS Bank 6.14 5.39 5.39 5.39
SBS Bank Special - 4.99 4.99 4.99
Sovereign 6.35 ▼5.05 ▼5.25 ▼5.35
Sovereign Special - ▼4.69 ▼4.89 ▼4.99
The Co-operative Bank 6.20 4.89 4.99 5.20
TSB Bank ▼6.24 5.45 5.49 ▼5.40
TSB Special - - 4.99 5.40
Wairarapa Building Society 6.20 5.75 5.95 -
Lender Flt 1yr 2yr 3yr
Westpac ▼6.15 5.39 5.39 5.59
Westpac - Capped rates - ▼6.15 ▼6.15 -
Westpac - Offset ▼6.15 - - -
Westpac Special - - ▼4.69 -
Median 6.45 5.19 5.39 5.39

Last updated: 31 July 2015 11:25am

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