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C'Mon minister pass the Bill; Views on Code revealed

Monday, November 12th 2018, 9:03AM

ANZ surprised us all over the weekend with its sub-4% home loan rate. We have updated our rates table with all the changes. Added to the cuts the bank is throwing some cash into the mix. It says: "We are also introducing a limited time $3,000 cash contribution offer until 2nd December 2018".

Here's the rates table sorted lowest to highest on the one-year term.

Is this going to stoke up the housing market? Let us know your thoughts by commenting on the article.

There are growing calls for Parliament to pull finger and pass the Financial Services Legislation Amendment Bill [READ ON]

Adviser associations band together to fix the Code. Here's what say needs to happen.

However, one goes further and slams some of the Code Working Group's proposals. [FIND OUT MORE]

« What Adrian Orr said today about interest ratesSub 4 rates becoming the norm; Another lender hits the $1 bill mark »

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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

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