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Mortgage Rates Daily Commentary

Thursday 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.

What's going on?

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.

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[MRadio] Listen to the latest home loan news

Philip Macalister introduces the latest additon to mortgagerates.co.nz - Mortgage Rates Radio. In this audio clip Philip takes a different look at last week's OCR announcement, discusses home loan rate changes and asks some questions about one non-bank lender.

Sunday, June 15th 2014, 12:46PM

You can listen to the broadcast using the controls below.

« OCR: What the economists (and someone else) said

ASB flattens out home loan prices »

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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	4.49	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	5.89	-	-	-
Westpac Special	-	4.49	4.45	4.75
Median	6.05	4.67	4.85	4.85

Last updated: 4 December 2025 2:52pm

Previous News

Thursday, September 28th, 9:00AM
RBNZ announces OCR decision
Tuesday, August 1st, 11:19AM
SBS eyes partnership with mortgage advisers
Thursday, June 22nd, 9:00AM
OCR held again - here's what RBNZ had to say
Thursday, May 11th, 10:26AM
Surprise at RBNZ’s OCR outlook
Thursday, May 11th, 9:00AM
No change to OCR: What RB said today
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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AIA - Back My Build
AIA - Go Home Loans
ANZ
ANZ Blueprint to Build
ANZ Good Energy
ANZ Special
ASB Bank
ASB Better Homes Top Up
Avanti Finance - Near Prime
Avanti Finance - Specialised
Basecorp Finance
BNZ - Classic
BNZ - Mortgage One
BNZ - Rapid Repay
BNZ - Std
BNZ - TotalMoney
CFML 321 Loans
CFML Home Loans
CFML Prime Loans
CFML Standard Loans
China Construction Bank
China Construction Bank Special
Co-operative Bank - First Home Special
Co-operative Bank - Owner Occ
Co-operative Bank - Standard
Credit Union Auckland
First Credit Union Special
First Credit Union Standard
HBS
Heartland Bank - Online
Heartland Bank - Reverse Mortgage
Heretaunga Building Society
ICBC
Kainga Ora
Kainga Ora - First Home Buyer Special
Kiwibank
Kiwibank - Capped Variable
Kiwibank - LVR >80%
Kiwibank - Offset
Kiwibank - Special
Kiwibank Special
Kiwibank Special
Liberty
Nelson Building Society
Pepper Money Near Prime
Pepper Money Prime
Pepper Money Specialist
SBS
SBS Bank
SBS Bank Special
SBS Construction lending for FHB
SBS FirstHome Combo
SBS FirstHome Combo
SBS Unwind reverse equity
TSB Bank
TSB Special
Unity First Home Buyer special
Unity Special
Unity Standard
Waiarapa Building Society
Wairarapa Building Society
Westpac
Westpac - Choices Everyday
Westpac Choices Everyday
Westpac Offset
Westpac Special