Kiwibank has started the year by dropping its four year fixed home loan rate 80 basis points taking it to 5.99%. As is often the case it is an offer with strings attached. The main one is that a borrower has to have at least 30% equity in their property otherwise the rate is 6.79%.
As you can see here it is a clear market leader in the term, however not that many lenders offer four year rates.
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