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Mortgage Rates Daily Commentary
Friday 27 May 2022
Basecorp raises more funds Basecorp secures more funding to help fuel its growth. [READ ON]
Comparing selected banks
Following a week of rate changes we have pulled together a graph comparing pricing strategies.
Friday, March 18th 2016, 10:04AM 
Here we have compared just five lenders who have taken different strategies to pricing their home loans. Also note this is just for standard rates. There are a range of Specials in the market too.
- HSBC - clearly it commands a market leading position in fixed rates, especially when its Specials are considered. However it is the only bank not to move its floating rate.
- Pricing remains in a tight band up to two years, but for longer terms there is greater divergence in pricing.
- SBS - While it often is a market leader, it's current pricing is a tad ordinary.
- ASB - Sharp on the one-year term but starts to look pricey further out the curve.
- BNZ - Continues to be reasonably aggressive compared to its big bank peers.
- Kiwibank - Sharp as usual except for standard two-year rates.
Tags: Mortgage Rates
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Mortgage Rates Table
Full Rates Table | Compare Rates
| Lender |
Flt |
1yr |
2yr |
3yr |
|---|
| AIA |
5.35 |
4.49 |
5.25 |
5.55 |
| ANZ |
5.54 |
5.15 |
5.85 |
6.15 |
| ANZ Blueprint to Build |
2.78 |
- |
- |
- |
| ANZ Special |
- |
4.55 |
5.25 |
5.55 |
| ASB Bank |
5.35 |
4.49 |
5.25 |
5.55 |
| Avanti Finance |
5.45 |
- |
- |
- |
| Basecorp Finance |
6.45 |
- |
- |
- |
| Bluestone |
5.29 |
7.49 |
7.59 |
- |
| BNZ - Classic |
- |
4.55 |
5.25 |
5.45 |
| BNZ - Mortgage One |
5.55 |
- |
- |
- |
| BNZ - Rapid Repay |
5.55 |
- |
- |
- |
| Lender |
Flt |
1yr |
2yr |
3yr |
|---|
| BNZ - Std, FlyBuys |
5.55 |
5.35 |
5.94 |
5.99 |
| BNZ - TotalMoney |
5.55 |
- |
- |
- |
| CFML Loans |
6.45 |
- |
- |
- |
| China Construction Bank |
5.50 |
5.40 |
6.14 |
6.40 |
| China Construction Bank Special |
- |
4.45 |
5.19 |
5.45 |
| Credit Union Auckland |
5.95 |
- |
- |
- |
| First Credit Union Special |
5.85 |
4.70 |
5.20 |
- |
| Heartland Bank - Online |
4.00 |
3.85 |
4.70 |
4.84 |
| Heretaunga Building Society |
5.95 |
4.80 |
5.50 |
- |
| HSBC Premier |
5.49 |
4.39 |
5.15 |
5.39 |
| HSBC Premier LVR > 80% |
- |
- |
- |
- |
| Lender |
Flt |
1yr |
2yr |
3yr |
|---|
| HSBC Special |
- |
- |
- |
- |
| ICBC |
5.25 |
4.29 |
5.09 |
5.35 |
| Kainga Ora |
5.43 |
4.57 |
5.58 |
5.85 |
| Kainga Ora - First Home Buyer Special |
- |
2.25 |
- |
- |
| Kiwibank |
5.00 |
5.55 |
6.19 |
6.39 |
| Kiwibank - Offset |
5.00 |
- |
- |
- |
| Kiwibank Special |
5.00 |
4.55 |
5.19 |
5.39 |
| Liberty |
4.84 |
- |
- |
- |
| Nelson Building Society |
5.95 |
4.95 |
5.85 |
- |
| Pepper Essential |
3.44 |
- |
- |
- |
| Resimac |
4.59 |
5.60 |
6.16 |
6.29 |
| Lender |
Flt |
1yr |
2yr |
3yr |
|---|
| SBS Bank |
5.29 |
4.69 |
5.35 |
5.49 |
| SBS Bank Special |
- |
4.19 |
4.85 |
4.99 |
| Select Home Loans |
4.09 |
4.29 |
4.86 |
5.09 |
| The Co-operative Bank - First Home Special |
- |
4.19 |
- |
- |
| The Co-operative Bank - Owner Occ |
5.45 |
4.29 |
5.19 |
5.45 |
| The Co-operative Bank - Standard |
5.45 |
4.79 |
5.69 |
5.95 |
| TSB Bank |
5.59 |
5.14 |
5.79 |
6.15 |
| TSB Special |
4.79 |
4.34 |
4.99 |
5.35 |
| Unity |
5.65 |
4.80 |
5.50 |
- |
| Wairarapa Building Society |
5.24 |
4.55 |
5.20 |
- |
| Westpac |
5.54 |
5.09 |
5.79 |
6.09 |
| Lender |
Flt |
1yr |
2yr |
3yr |
|---|
| Westpac - Offset |
5.54 |
- |
- |
- |
| Westpac Special |
- |
4.49 |
5.19 |
5.49 |
| Median |
5.45 |
4.55 |
5.25 |
5.52 |
Last updated: 19 May 2022 10:42am Previous News
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