| tmmonline.nz | landlords.co.nz | About Good Returns | Advertise | Contact Us | Terms & Conditions | RSS Feeds |
|
| Last Article Uploaded: Saturday, December 6th, 11:57AM |
Mortgage Rates Daily CommentaryThursday 4 December 2025 Add your comment
Good house buying conditions, but little activity; What's going on?Experts consider it's a good time to be buying a house with lots of indicators pointing in the right direction; but sales are not picking up. It was great to attend Loan Market's recent PD day and Christmas celebration. The group is on a strong growth path to becoming New Zealand's best known mortgage advice brand. It's also got some exciting developments in train. You can find out more about the Loan Market offering here.  Latest Headlines Reserve Bank lets well aloneYes, there's been no change to the Official Cash Rate at this morning's review.Wednesday, July 5th 2000, 12:00AMby Paul McBeth Yes, there’s been no change to the Official Cash Rate today. The Reserve Bank announced at 9am this morning that the OCR would remain at 6.5 per cent. It gave no further explanation but said that the next review would be on August 16, together with the release of its August Monetary Policy Statement. |
Paul is a staff writer for Good Returns based in Wellington.
| « No rise tipped for OCR review tomorrow | Housing market ho-hum » |
Special Offers
|
|
Printable version |
|
Email to a friend |
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 | 5.09 | 5.39 |
| ANZ Blueprint to Build | 7.39 | - | - | - |
| ANZ Good Energy | - | - | - | 1.00 |
| ANZ Special | - | 4.49 | 4.49 | 4.79 |
| 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 | 4.49 | 4.79 |
| Co-operative Bank - Standard | 4.99 | 4.95 | 4.99 | 5.29 |
| 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 | 6.29 | 4.75 | 4.75 | 4.99 |
| 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 | 6.39 | 4.49 | 4.65 | - |
| Unity Standard | 6.39 | 5.29 | 5.45 | - |
| Wairarapa Building Society | 6.15 | 4.59 | 4.59 | - |
| Westpac | 5.89 | 5.09 | 5.05 | 5.35 |
| Lender | Flt | 1yr | 2yr | 3yr |
| Westpac Choices Everyday | 5.99 | - | - | - |
| Westpac Offset | ▲8.64 | - | - | - |
| Westpac Special | - | 4.49 | 4.45 | 4.75 |
| Median | 6.15 | 4.67 | 4.85 | 4.85 |
Last updated: 4 December 2025 2:52pm
| About Us | Advertise | Contact Us | Terms & Conditions | Privacy Policy | RSS Feeds | Letters | Archive | Toolbox | Disclaimer |
