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| Last Article Uploaded: Thursday, June 25th, 6:12PM |
Mortgage Rates Daily CommentaryMonday 22 June 2026 Add your comment
More mortgage advisers embarce KiwiSaverKiwiSaver is the flavour d'jour at the moment (and probably will be all the way into the election). Yesterday National announced that, if re-elected, it would make KiwiSaver compulsory. Meanwhile, trail commission is disappearing with Westpac and AIA disappearing from mortgage advisers' toolkit. As we report today, mortgage advisers are now looking to KiwiSaver as a replacement income stream. [MORE DETAILS 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 » |
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Full Rates Table | Compare Rates
| Lender | Flt | 1yr | 2yr | 3yr |
|---|---|---|---|---|
| AIA - Back My Build | 3.34 | - | - | - |
| AIA - Go Home Loans | 5.89 | 4.65 | 5.25 | 5.49 |
| ANZ | 5.79 | ▼5.25 | ▼5.89 | ▼6.09 |
| ANZ Blueprint to Build | 7.39 | - | - | - |
| ANZ Good Energy | - | - | - | 1.00 |
| ANZ Special | - | ▼4.65 | ▼5.29 | ▼5.49 |
| ASB Bank | 5.79 | 4.65 | 5.25 | 5.49 |
| ASB Better Homes Top Up | - | - | - | 1.00 |
| Avanti Finance - Near Prime | 6.35 | - | - | - |
| Avanti Finance - Specialised | 7.45 | - | - | - |
| Basecorp Finance | 6.35 | - | - | - |
| Lender | Flt | 1yr | 2yr | 3yr |
| BNZ - Mortgage One | 5.94 | - | - | - |
| BNZ - Rapid Repay | 5.94 | - | - | - |
| BNZ - Std | 5.84 | ▲4.79 | ▲5.29 | ▼5.29 |
| 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 |
| Co-operative Bank - First Home Special | - | 4.55 | - | - |
| Lender | Flt | 1yr | 2yr | 3yr |
| Co-operative Bank - Owner Occ | 4.99 | 4.65 | 5.29 | 5.49 |
| Co-operative Bank - Standard | 4.99 | 5.15 | 5.79 | 5.99 |
| Credit Union Auckland | 7.70 | - | - | - |
| First Credit Union Special | - | 5.09 | 5.49 | - |
| First Credit Union Standard | 6.49 | 5.69 | 6.09 | - |
| Heartland Bank - Online | 5.80 | 5.89 | - | - |
| Heartland Bank - Reverse Mortgage | 7.99 | - | - | - |
| Heretaunga Building Society | 6.50 | 5.50 | 5.65 | - |
| ICBC | 5.39 | 4.49 | 4.99 | 5.25 |
| Kainga Ora | 5.79 | 4.59 | 4.95 | 5.19 |
| Kainga Ora - First Home Buyer Special | - | - | - | - |
| Lender | Flt | 1yr | 2yr | 3yr |
| Kiwibank | 5.75 | 5.65 | 6.19 | 6.35 |
| Kiwibank - Offset | 5.75 | - | - | - |
| Kiwibank Special | 5.75 | 4.75 | 5.29 | 5.55 |
| Liberty | 6.65 | 6.55 | 6.22 | 6.20 |
| Nelson Building Society | 6.49 | 4.69 | 5.09 | - |
| Pepper Money Near Prime | 6.55 | - | - | - |
| Pepper Money Prime | 5.99 | - | - | - |
| Pepper Money Specialist | 8.00 | - | - | - |
| SBS Bank | 5.84 | 5.29 | 5.79 | 5.99 |
| SBS Bank Special | - | 4.69 | 5.19 | 5.39 |
| SBS Construction lending for FHB | 3.74 | - | - | - |
| Lender | Flt | 1yr | 2yr | 3yr |
| SBS FirstHome Combo | 3.29 | 4.19 | - | - |
| SBS FirstHome Combo | - | - | - | - |
| SBS Unwind reverse equity | 7.99 | - | - | - |
| TSB Bank | 6.59 | 5.49 | 6.05 | 6.29 |
| TSB Special | 5.79 | 4.69 | 5.25 | 5.49 |
| Unity First Home Buyer special | - | 4.09 | - | - |
| Unity Special | 5.79 | 4.80 | ▲5.49 | - |
| Unity Standard | 5.79 | 5.60 | ▲6.29 | - |
| Wairarapa Building Society | 6.15 | 4.95 | 5.45 | - |
| Westpac | 5.89 | 5.39 | 5.79 | ▼5.89 |
| Westpac Choices Everyday | 5.99 | - | - | - |
| Lender | Flt | 1yr | 2yr | 3yr |
| Westpac Offset | 5.89 | - | - | - |
| Westpac Special | - | 4.79 | 5.19 | ▼5.29 |
| Median | 5.94 | 4.80 | 5.45 | 5.49 |
Last updated: 24 June 2026 11:40am
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