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Last Article Uploaded: Friday, December 3rd, 9:22PM

Mortgages

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HOME LOAN RATES
  • To find the best rate use the green arrows to sort the table in ascending/descending order.
  • Find out more about a lender by clicking on their logo.
  • To graph comparisons click here

Changes from last:

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Mortgage Lender Floating 6 mth 1 year 18 mth 2 years 3 years 4 years 5 years RC
ANZ Blueprint to Build 2.03 - - - - - - - -
Heartland Bank - Online 2.25 - 1.85 - 2.35 2.65 - - 2.55
ASB Back My Build ▲2.29 - - - - - - - -
Resimac 3.39 - 3.54 - 3.89 4.09 4.19 4.29 -
3.49 - 3.34 - 2.99 3.34 3.44 3.54 -
Bluestone 3.74 - 3.54 - 3.89 4.09 4.19 4.29 -
ICBC 4.15 3.59 3.29 3.59 3.85 4.19 4.59 4.79 4.15
▲4.25 ▲5.04 ▲4.54 - ▲5.20 ▲5.54 ▲5.84 ▲6.00 ▲4.30
Kiwibank - Offset ▲4.25 - - - - - - - -
Kiwibank Special ▲4.25 ▲4.19 ▲3.69 - ▲4.35 ▲4.69 ▲4.99 ▲5.15 ▲4.30
Kainga Ora 4.43 - 2.88 - 3.28 3.59 - 4.22 -
China Construction Bank 4.49 4.70 4.70 - 4.80 4.95 4.95 4.95 -
HSBC Premier 4.49 2.79 2.19 2.19 2.45 2.69 2.99 3.19 5.44
TSB Special 4.54 3.29 3.29 3.64 3.94 4.19 4.54 4.70 4.54
Avanti Finance 4.55 - - - - - - - -
AIA ▲4.60 4.19 3.65 4.09 4.35 4.69 4.95 5.19 6.35
ASB Bank ▲4.60 4.19 3.65 4.09 4.35 4.69 4.95 5.19 ▲4.70
The Co-operative Bank - Owner Occ ▲4.75 ▲3.65 ▲3.65 ▲4.05 ▲4.35 ▲4.69 ▲4.89 ▲4.99 ▲4.75
The Co-operative Bank - Standard ▲4.75 ▲4.15 ▲4.15 ▲4.55 ▲4.85 ▲5.19 ▲5.39 ▲5.49 ▲4.75
ANZ 4.79 4.60 4.25 4.75 4.95 5.35 5.65 5.85 4.55
4.79 - - - - - - - -
SBS Bank 4.79 4.29 3.65 3.95 4.19 4.25 4.79 4.99 5.79
Liberty 4.84 - - - - - - - -
BNZ - Rapid Repay ▲4.95 - - - - - - - 6.74
BNZ - Std, FlyBuys ▲4.95 4.59 4.25 4.69 4.95 5.29 5.49 5.59 -
Mortgage Lender Floating 6 mth 1 year 18 mth 2 years 3 years 4 years 5 years RC
BNZ - TotalMoney ▲4.95 - - - - - - - -
Nelson Building Society 4.95 - ▲4.29 - ▲4.85 - - - -
Wairarapa Building Society 4.99 - ▲3.65 ▲3.85 ▲4.05 - - - -
Westpac 5.09 4.79 ▲4.29 ▲4.69 4.95 5.29 5.39 5.55 4.69
Westpac - Offset 5.09 - - - - - - - -
BNZ - Mortgage One 5.15 - - - - - - - 7.15
Heretaunga Building Society 5.25 - 4.00 - 4.60 - - - -
TSB Bank 5.34 4.09 4.09 4.44 4.74 4.99 5.34 5.50 5.34
CFML Loans ▲5.35 - - - - - - - -
Basecorp Finance 5.49 - - - - - - - -
Unity 5.65 4.30 4.15 4.20 4.60 - - - -
First Credit Union Special 5.85 - 3.59 - 4.09 - - - -
Credit Union Auckland 5.95 - - - - - - - -
ANZ Special - 4.00 3.65 4.15 4.35 4.75 - - -
BNZ - Classic - 3.99 3.65 4.09 4.35 4.69 4.89 4.99 -
China Construction Bank Special - - 2.65 2.65 2.65 2.80 2.89 2.99 -
HSBC Premier LVR > 80% - - - - - - - - -
HSBC Special - - 2.25 2.25 - - - - -
Kainga Ora - First Home Buyer Special - - 2.25 - - - - - -
SBS Bank Special - 3.79 3.15 3.45 3.69 3.75 4.29 4.49 -
The Co-operative Bank - First Home Special - - ▲3.45 - - - - - -
Westpac Special - 4.19 ▲3.69 ▲4.09 4.35 4.69 4.79 4.95 -
Median 4.77 4.19 3.65 4.09 4.35 4.69 4.89 4.99 4.72

Last updated: 3 December 2021 8:16am

Printable version

This table is updated regularly and is intended as a brief guide to residential loans on owner-occupied properties in New Zealand. Users are advised to confirm the rates and conditions that will apply in your particular situation directly with the lender.

Link for Australian visitors: http://www.hsbc.com.au/1/2/personal/home-loans/interest-rates

Terms explained

Floating rate: also known as the variable rate. This fluctuates according to market conditions.
Fixed rate: this rate applies for the length of the loan, which is fixed for a set period. We have given a sample of fixed rate periods only: many lenders offer fixed rate loans for as little as six months, while some go out to seven years.
LVR: this stands for the loan to value ratio and is the maximum percentage of a property's value that the institution will lend to. Check with the lender for any special conditions. Many, for example, may require you take out mortgage insurance if the LVR is over a certain level, or there may be other restrictions such as lending for apartments, which can be to a much lower LVR.
Front-end fees: these are also known as establishment, application or loan approval fees. They are are one-off charges by the lender for setting up the loan.
Capped rate: the maximum rate that will apply to a loan during its capped period. If the floating rate drops below the capped rate applicable then the lower floating rate will apply instead. There is no penalty for paying off lump sums, totally repaying the loan or for increasing your payments.

Disclaimer

Every possible effort has been made to keep the information in this table as accurate as possible, however, neither the publishers of Good Returns nor anyone engaged to compile this table accept any liability for inaccuracies or any loss suffered as a result. It is strongly advised that readers check loan details with providers.

For enquiries about this page contact editor@goodreturns.co.nz.

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