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Mortgage Rates Daily Commentary
Thursday 18 December 2025
Another blow to advisers over trail commissions Mortgage advisers have been given more bad news over trail commissions just before Christmas. [FIND OUT MORE]
Top brokers
Find out who are the finalists in this year's Mortgage Broker of the Year Awards.
Monday, September 8th 2003, 6:23PM
North Harbour/Northland-
Geoff Bawden - Bawden Consulting
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Joanne Dale - Mortgage Express-
Bridgette Stubbs - Mortgages By Design
Central Auckland-
Jens Dalhoff - Mike Pero
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Grant McFlinn - Mike Pero-
Sue Tierney - Mortgages By Design
Greater Auckland
- Gavin Lendich - Mortgage Planners
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Cherie Matches - Mortgage Planners-
Stephen Wilton - Mortgage Minders
Waikato/Bay of Plenty-
Frank McLean - Mortgage Express, Tauranga
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Brent Mountford - Mortgage Works, Rotorua-
Michelle Towersey - Mike Pero, Tauranga
Central North Island-
Gail Jensen - Mortgage Link, Palmerston North
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Lindy Neilson - Mortgage Link, Gisborne-
Craig Seton - Mortgage Link, Palmerston North
Wellington/Kapiti/Nelson/Marlborough-
Finlay Abbot
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Warren Rule - Mortgage Choice-
Russell Spencer - Mortgage Choice
South Island-
Malcolm MacDonald - Mortgage Link, Timaru
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Rob Parsons - Mortgage First-
Charlie Reid/Gary Burton - Mortgage Link, Queenstown.
The winners will be announced at the NZ Mortgage Brokers Association conference in Christchurch on Friday night.
Commenting is closed
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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 |
▲4.75 |
▲5.09 |
| 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 |
▲4.75 |
▲5.09 |
| 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 |
▲4.69 |
▲5.09 |
| 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 |
▲4.49 |
▼4.00 |
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 |
▲4.79 |
- |
| 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 |
5.09 |
Last updated: 19 December 2025 1:35pm Previous News
-
Thursday, September 28th, 9:00AM
RBNZ announces OCR decision
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Thursday, May 11th, 10:26AM
Surprise at RBNZ’s OCR outlook
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Thursday, May 11th, 9:00AM
No change to OCR: What RB said today
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Monday, May 8th, 6:00AM
Focus on tone, not content, of OCR call this week
-
Tuesday, May 2nd, 11:10AM
ANZ half-year profit jumps
-
Monday, April 24th, 10:23AM
Local flavour makes for bank winners
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