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What's holding back first home buyers?

Monday, October 13th 2025, 8:45AM

The problem getting in the way of first home buyers is not financial, it is psychological, an experienced mortgage adviser says. [READ ON]

« New mortgage loan terms again yo-yoingFHB's active; Have your say on mortgage advice »

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Full Rates Table | Compare Rates

Lender Flt 1yr 2yr 3yr
AIA - Back My Build 3.54 - - -
AIA - Go Home Loans 6.09 4.49 4.49 4.79
ANZ 5.89 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 5.99 4.49 4.49 4.79
ASB Better Homes Top Up - - - 1.00
Avanti Finance - Near Prime 6.49 - - -
Avanti Finance - Specialised 7.69 - - -
Basecorp Finance 6.55 - - -
Lender Flt 1yr 2yr 3yr
BNZ - Classic - 5.99 5.69 5.69
BNZ - Mortgage One 6.09 - - -
BNZ - Rapid Repay 6.09 - - -
BNZ - Std 5.99 4.49 4.49 4.79
BNZ - TotalMoney 6.09 - - -
CFML 321 Loans 4.25 - - -
CFML Home Loans 6.25 - - -
CFML Prime Loans 6.45 - - -
CFML Standard Loans 7.25 - - -
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 5.30 4.45 4.49 4.79
Co-operative Bank - Standard 5.30 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 5.45 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 5.80 5.39 5.39 5.65
Kiwibank - Offset 5.80 - - -
Kiwibank Special 6.15 4.49 4.49 4.85
Liberty 6.65 6.55 6.22 6.20
Nelson Building Society 6.59 4.59 4.69 -
Pepper Money Near Prime 6.55 - - -
Pepper Money Prime 5.99 - - -
Pepper Money Specialist 8.00 - - -
SBS Bank 5.99 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 3.44 4.29 - -
SBS FirstHome Combo - - - -
SBS Unwind reverse equity 7.99 - - -
TSB Bank 6.74 5.19 5.29 5.59
TSB Special 5.94 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 6.09 5.09 5.05 5.35
Lender Flt 1yr 2yr 3yr
Westpac Choices Everyday 6.19 - - -
Westpac Offset 6.09 - - -
Westpac Special - 4.49 4.45 4.75
Median 6.15 4.67 4.85 4.85

Last updated: 30 October 2025 6:23pm

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