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Mortgage Rates Daily Commentary
Thursday 29 January 2015  Add your comment
No surprises

The Reserve Bank didn't surprise this morning with its decision to leave the OCR unchanged - however its comments on future OCR movements were interesting. Here's what Governor Graeme Wheeler said.

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Decent environment for investors: Tuffley

The Reserve Bank has today left the OCR unchanged at 3.5%, but has shifted to an explicitly neutral stance that is likely to keep interest rates low for some time yet.

Thursday, January 29th, 12:12PM

RBNZ governor Graeme Wheeler said current economic circumstances including the high exchange rate, low global inflation, and falling oil prices ­ meant traded goods inflation was very weak.

Non-­tradables inflation remains moderate, despite buoyant domestic demand and an improving labour market, while headline annual inflation is expected to be below the target band in 2015.

This combination of factors mean that the RBNZ expects to keep the OCR on hold for some time...MORE»

What the Reserve Bank said

Thursday, January 29th, 9:17AM

MORE»

OCR not going anywhere: Economists

Thursday, January 22nd, 1:36PM

OCR increases are off the table for now, economists say.

MORE»

 

Previous News

Kiwibank starts this year's home loan rate cuts

Monday, January 12th, 10:01AM

Kiwibank has started the year with a cut to its two-year fixed home loan rate.

MORE»

All power to the consumers

Thursday, December 11th, 10:30AM

There's good news for property owners in the latest official cash rate announcement: Mortgage rates look set to stay low for some time yet.

MORE»

What the Reserve Bank said - Dec

Thursday, December 11th, 9:00AM

Here is what Reserve Bank governor Graeme Wheeler had to say about interest rates today.

MORE»

Where will the OCR go next?

Monday, December 8th, 9:45AM

It's pretty clear the official cash rate won't move this week, but when it next moves and in what direction is becoming a fascinating question.

MORE»

Squirrel applies to become QFE

Thursday, November 27th, 6:00AM

Squirrel Mortgages is applying for QFE status, and wants to start offering KiwiSaver and peer-to-peer lending.

MORE»

MORE NEWS»

Mortgage Rates Table

Full Rates Table | Compare Rates

Lender Flt 1yr 2yr 3yr
AMP Home Loans 7.24 5.69 6.19 6.55
AMP Home Loans $200k+ 7.14 5.59 6.09 6.45
AMP Home Loans LVR <80% - - 5.75 6.09
ANZ 6.74 6.09 6.09 6.39
ANZ Special - 5.59 5.55 5.99
ASB Bank 6.75 5.99 6.09 6.39
ASB Bank Special - 5.59 5.55 5.59
BankDirect 6.75 5.99 6.09 6.39
BankDirect Special - 5.59 5.55 5.59
BNZ - Classic - 5.69 5.75 5.59
BNZ - GlobalPlus 6.74 5.89 6.19 6.29
Lender Flt 1yr 2yr 3yr
BNZ - Mortgage One 7.15 - - -
BNZ - Rapid Repay 6.74 - - -
BNZ - Std, FlyBuys 6.74 5.89 6.19 6.29
BNZ - TotalMoney 6.74 - - -
Credit Union Auckland 6.70 - - -
Credit Union Baywide 6.45 ▼5.95 ▼5.99 -
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
First Credit Union 6.45 - - -
Lender Flt 1yr 2yr 3yr
General Finance 5.95 6.25 6.50 7.10
HBS Bank 6.65 5.69 5.74 ▼5.79
HBS Special - 5.59 5.49 ▼5.49
Heartland 6.70 7.00 7.25 7.85
Heretaunga Building Society 6.70 6.00 6.30 -
Housing NZ Corp 6.74 5.70 6.09 6.29
HSBC Premier 6.84 5.45 5.65 5.79
HSBC Premier LVR > 80% - - - -
HSBC Special - - - -
ICBC 6.75 5.99 6.39 -
Kiwibank 6.65 5.69 6.09 6.29
Lender Flt 1yr 2yr 3yr
Kiwibank - Capped - - - -
Kiwibank - Offset 6.55 - - -
Kiwibank LVR > 80% - - 5.55 5.89
Liberty - - - -
Napier Building Society 5.80 6.00 6.70 -
Nelson Building Society 6.95 6.15 6.60 -
NZ Home Loans 6.85 6.09 6.40 6.65
Perpetual Trust 7.70 - - -
Resimac 6.59 6.03 6.10 6.19
SBS Bank 6.65 5.69 5.74 ▼5.79
SBS Bank Special - 5.59 5.49 ▼5.49
Lender Flt 1yr 2yr 3yr
Silver Fern 5.95 6.10 6.55 7.05
Sovereign 6.85 5.99 6.19 6.39
Sovereign Special - 5.59 5.75 5.59
The Co-operative Bank 6.70 5.59 5.59 5.74
TSB Bank 6.74 5.95 6.19 6.30
TSB Special - - 5.79 -
Wairarapa Building Society 6.20 5.75 5.95 -
Westpac 6.59 6.09 6.39 6.65
Westpac - Capped rates - 6.74 6.99 -
Westpac - Offset 6.59 - - -
Westpac Special - - 5.79 5.89
Median 6.70 5.95 6.09 6.29

Last updated: 31 January 2015 5:00am

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