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How the big four compare
In this graph we compare the standard home loan rates from the big four banks. You will see quite divergent pricing.
Tuesday, February 25th 2025, 10:49AM
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Most Commented On
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 |
4.65 |
5.25 |
5.49 |
| ANZ |
5.79 |
5.39 |
6.09 |
6.29 |
| ANZ Blueprint to Build |
7.39 |
- |
- |
- |
| ANZ Good Energy |
- |
- |
- |
1.00 |
| ANZ Special |
- |
4.79 |
5.49 |
5.69 |
| ASB Bank |
5.79 |
4.65 |
5.25 |
5.49 |
| ASB Better Homes Top Up |
- |
- |
- |
1.00 |
| Avanti Finance - Near Prime |
6.35 |
- |
- |
- |
| Avanti Finance - Specialised |
7.45 |
- |
- |
- |
| Basecorp Finance |
6.35 |
- |
- |
- |
| Lender |
Flt |
1yr |
2yr |
3yr |
|---|
| BNZ - Mortgage One |
5.94 |
- |
- |
- |
| BNZ - Rapid Repay |
5.94 |
- |
- |
- |
| BNZ - Std |
5.84 |
4.65 |
5.19 |
5.39 |
| 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 |
| Co-operative Bank - First Home Special |
- |
4.55 |
- |
- |
| Lender |
Flt |
1yr |
2yr |
3yr |
|---|
| Co-operative Bank - Owner Occ |
4.99 |
4.65 |
5.29 |
5.49 |
| Co-operative Bank - Standard |
4.99 |
5.15 |
5.79 |
5.99 |
| Credit Union Auckland |
7.70 |
- |
- |
- |
| First Credit Union Special |
- |
5.09 |
5.49 |
- |
| First Credit Union Standard |
6.49 |
5.69 |
6.09 |
- |
| Heartland Bank - Online |
5.80 |
5.89 |
- |
- |
| Heartland Bank - Reverse Mortgage |
7.99 |
- |
- |
- |
| Heretaunga Building Society |
6.50 |
5.50 |
5.65 |
- |
| ICBC |
5.39 |
4.49 |
4.99 |
5.25 |
| Kainga Ora |
5.79 |
4.59 |
4.95 |
5.19 |
| Kainga Ora - First Home Buyer Special |
- |
- |
- |
- |
| Lender |
Flt |
1yr |
2yr |
3yr |
|---|
| Kiwibank |
5.75 |
5.65 |
6.19 |
6.35 |
| Kiwibank - Offset |
5.75 |
- |
- |
- |
| Kiwibank Special |
5.75 |
4.75 |
5.29 |
5.55 |
| Liberty |
6.65 |
6.55 |
6.22 |
6.20 |
| Nelson Building Society |
6.49 |
4.69 |
5.09 |
- |
| Pepper Money Near Prime |
6.55 |
- |
- |
- |
| Pepper Money Prime |
5.99 |
- |
- |
- |
| Pepper Money Specialist |
8.00 |
- |
- |
- |
| SBS Bank |
5.84 |
5.29 |
5.79 |
5.99 |
| SBS Bank Special |
- |
4.69 |
5.19 |
5.39 |
| SBS Construction lending for FHB |
3.74 |
- |
- |
- |
| Lender |
Flt |
1yr |
2yr |
3yr |
|---|
| SBS FirstHome Combo |
3.29 |
4.19 |
- |
- |
| SBS FirstHome Combo |
- |
- |
- |
- |
| SBS Unwind reverse equity |
7.99 |
- |
- |
- |
| TSB Bank |
6.59 |
5.49 |
6.05 |
6.29 |
| TSB Special |
5.79 |
4.69 |
5.25 |
5.49 |
| Unity First Home Buyer special |
- |
4.09 |
- |
- |
| Unity Special |
5.79 |
4.80 |
5.29 |
- |
| Unity Standard |
5.79 |
5.60 |
6.09 |
- |
| Wairarapa Building Society |
6.15 |
4.95 |
5.45 |
- |
| Westpac |
5.89 |
5.39 |
5.79 |
6.09 |
| Westpac Choices Everyday |
5.99 |
- |
- |
- |
| Lender |
Flt |
1yr |
2yr |
3yr |
|---|
| Westpac Offset |
5.89 |
- |
- |
- |
| Westpac Special |
- |
4.79 |
5.19 |
5.49 |
| Median |
5.94 |
4.80 |
5.45 |
5.49 |
Last updated: 5 June 2026 10:14am |
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