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Mortgages

Mortgage Rates Daily Commentary
Wednesday 17 December 2025  Add your comment
AI player claims 60% of advice market; Time to be cyber vigilant

Financial advice AI platform Afterburner has expanded to cover about 60 percent of the mortgage advice market, through new enterprise-level partnerships with Link Financial Group, NZFSG and Loan Market.Financial advice AI platform Afterburner has expanded to cover about 60 percent of the mortgage advice market, through new enterprise-level partnerships with Link Financial Group, NZFSG and Loan Market. [READ ON]

Advisers need to be cyber vigilant over the Summer break - Here's why

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Afterburner AI does deals to cover 60% of mortgage advice industry

Financial advice AI platform Afterburner has expanded to cover about 60 percent of the mortgage advice market, through new enterprise-level partnerships with Link Financial Group, NZFSG and Loan Market.

Wednesday, December 17th, 8:53AM

Afterburner automates many of the admin tasks that take up mortgage advisers’ time, including mortgage recommendations, analysing business statements, bank handover forms, compliance documentation, client notes, drafting mortgage application and communication with clients and banks.

Co-founder Geoff Christopher, who is also a financial adviser at Float Mortgages, said demand for advice...MORE»

Advisers’ vigilance against cyber criminals critical over summer break

Tuesday, December 16th, 4:43PM

Advisers are being warned about cyber criminals ramping up activity over the holidays.

MORE»

Robust recovery tipped by Kiwibank

Monday, December 15th, 6:06PM

Lower interest rates are doing their job. The medicine is working, Kiwibank says.

MORE»

 

Previous News

New RBNZ gov Anna Breman: so far, so good

Wednesday, December 10th, 10:53AM

[OPINION] The one thing that newly installed Reserve Bank governor Anna Breman has demonstrated is that she isn’t shy of being in the public eye and she is stressing the need for the central bank to exercise transparency and accountability.

MORE»

Westpac asks RBNZ to comment on conditions

Wednesday, December 10th, 10:27AM

Westpac is urging the RBNZ to make some public comment on evolving financial conditions.

MORE»

Chapter of economic bad news closing - ASB

Monday, December 8th, 10:04AM

New Zealand’s economy is putting recession in its rear-view mirror, with the recovery expected to pick up next year, ASB’s latest Quarterly Economic Forecast says.

MORE»

Mortgage pain could return before Christmas

Friday, December 5th, 8:19AM

Fixed mortgage interest rates could start rising before Christmas because the economy’s direction is now up, economist Tony Alexander says.

MORE»

Buyers sitting on the sidelines in best time to buy in a decade

Thursday, December 4th, 9:55AM

Stable house prices, low interest rates and plenty of houses to choose from are still not enticing buyers.

MORE»

MORE NEWS»

Mortgage Rates Table

Full Rates Table | Compare Rates

Lender Flt 1yr 2yr 3yr
AIA - Back My Build 3.34 - - -
AIA - Go Home Loans 5.89 4.49 4.49 4.79
ANZ 5.69 5.09 ▲5.29 ▲5.69
ANZ Blueprint to Build 7.39 - - -
ANZ Good Energy - - - 1.00
ANZ Special - 4.49 ▲4.69 ▲5.09
ASB Bank 5.79 4.49 4.49 4.79
ASB Better Homes Top Up - - - 1.00
Avanti Finance - Near Prime 6.35 - - -
Avanti Finance - Specialised 7.55 - - -
Basecorp Finance 6.35 - - -
Lender Flt 1yr 2yr 3yr
BNZ - Classic - 5.99 5.69 5.69
BNZ - Mortgage One 5.94 - - -
BNZ - Rapid Repay 5.94 - - -
BNZ - Std 5.84 4.49 4.49 4.79
BNZ - TotalMoney 5.94 - - -
CFML 321 Loans 3.95 - - -
CFML Home Loans 6.05 - - -
CFML Prime Loans 6.25 - - -
CFML Standard Loans 6.95 - - -
China Construction Bank 6.44 4.85 4.95 4.95
China Construction Bank Special 6.44 5.85 5.95 5.95
Lender Flt 1yr 2yr 3yr
Co-operative Bank - First Home Special - 4.35 - -
Co-operative Bank - Owner Occ 4.99 4.45 ▲4.79 ▲5.09
Co-operative Bank - Standard 4.99 4.95 ▲5.29 ▲5.59
Credit Union Auckland 7.70 - - -
First Credit Union Special - 4.79 4.95 -
First Credit Union Standard 6.49 5.39 5.55 -
Heartland Bank - Online 5.30 5.89 - -
Heartland Bank - Reverse Mortgage 7.99 - - -
Heretaunga Building Society 7.45 5.90 5.80 -
ICBC 5.39 4.25 4.59 4.79
Kainga Ora ▼5.69 ▼4.49 ▼4.49 ▼4.79
Lender Flt 1yr 2yr 3yr
Kainga Ora - First Home Buyer Special - - - -
Kiwibank 5.65 5.39 5.39 5.65
Kiwibank - Offset 5.65 - - -
Kiwibank Special 6.15 4.49 4.49 4.85
Liberty 6.65 6.55 6.22 6.20
Nelson Building Society 6.49 4.59 4.59 -
Pepper Money Near Prime 6.55 - - -
Pepper Money Prime 5.99 - - -
Pepper Money Specialist 8.00 - - -
SBS Bank 5.84 5.09 5.09 5.39
SBS Bank Special - 4.49 4.49 4.79
Lender Flt 1yr 2yr 3yr
SBS Construction lending for FHB 3.74 - - -
SBS FirstHome Combo 3.29 4.29 - -
SBS FirstHome Combo - - - -
SBS Unwind reverse equity 7.99 - - -
TSB Bank 6.59 5.19 5.29 5.59
TSB Special 5.79 4.39 4.49 4.79
Unity First Home Buyer special - 3.99 - -
Unity Special ▼5.79 4.49 4.65 -
Unity Standard ▼5.79 5.29 5.45 -
Wairarapa Building Society 6.15 4.59 4.59 -
Westpac 5.89 5.09 ▲5.35 ▲5.65
Lender Flt 1yr 2yr 3yr
Westpac Choices Everyday 5.99 - - -
Westpac Offset 5.89 - - -
Westpac Special - 4.49 ▲4.75 ▲5.05
Median 5.94 4.59 4.87 5.05

Last updated: 15 December 2025 9:06am

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