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Mortgages

Mortgage Intro

Printer-friendly version                                                                                                               see our mortgage calculator here »

If you are Floating now, and are wondering if Fixing makes sense for you, see this handy tool »
Bernard Hickey's latest guide to Fixing or Floating will be helpful too, here »
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Mortgage choices involve making a significant financial decision so it often pays to get professional advice.
A Roost mortgage broker can be contacted by following this link »
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Banks

Institution Product Variable floating 6
months		 1
year		 2
years		 3
years		 4
years		 5
years
ANZFloating5.74
Standard5.455.195.455.806.106.30
Standard
18 months = 5.49
Special (Chch rebuild package)4.75*
ASBResidential5.755.455.195.455.755.956.25
Residential
18 months = 5.45
HomePlus Equity Release7.25
BankDirectStandard5.755.455.195.455.756.25
Standard
18 months = 5.45
BNZClassic4.955.40
TotalMoney5.74
Standard & Flybuys5.995.255.255.655.806.106.30
Standard & Flybuys
7 years = 6.99
Global Plus5.995.255.255.655.806.106.30
Global Plus
18 months = 5.50
7 years = 6.99
Co-operative BankResidential5.705.354.995.355.755.99
HBS BankResidential5.654.994.994.995.655.99
Heartland BankResidential5.956.156.256.507.107.80
Everyday Gold5.95
HSBCPremier5.995.255.055.255.505.755.99
Premier Special4.994.994.995.505.75
KiwibankStandard5.655.255.254.995.655.995.99
Chc new build Special4.65*5.00*5.00*4.74*5.40*5.74*5.74*
Offset Mortgage 5.50
Capped Variable 5.656.50
KookminStandard5.895.755.755.89
SBS BankResidential5.654.994.994.995.655.99
Advance Equity Release6.857.057.40
TSBStandard5.795.355.255.305.756.106.30
Standard
18 months = 5.40
Special
Special
15 months = 4.95
WestpacStandard6.245.255.195.405.906.156.25
Standard
18 months = 5.40
LVR <80%5.09
Choices Everyday5.75
Capped Variable Rate 6.246.50

Building societies

Institution Product Variable floating 6
months		 1
year		 2
years		 3
years		 4
years		 5
years
HeretaungaResidential5.755.255.65
NapierResidential5.805.50
Rural and Commercial7.25
NelsonResidential6.455.956.25
WairarapaResidential6.205.755.95

Credit unions

Institution Product Variable floating 6
months		 1
year		 2
years		 3
years		 4
years		 5
years
CU Auckland6.20
CU BaywideResidential5.855.455.455.25
CU SouthResidential5.85
First CUResidential5.85
Police CUResidential5.105.255.35
United CUResidential6.00

Crown Agencies

Institution Product Variable floating 6
months		 1
year		 2
years		 3
years		 4
years		 5
years
Housing NZResidential5.755.205.305.756.25

Finance companies

Institution Product Variable floating 6
months		 1
year		 2
years		 3
years		 4
years		 5
years
eMortgageResidential6.046.556.156.697.197.657.90
Finance DirectFreestyle5.806.006.106.656.957.207.40
Freestyle
18 months = 6.20
General FinanceResidential ....from5.956.256.507.10
Hibernian Standard5.50
Home Equity5.50
Liberty FinancialResidential5.64
Medical SecuritiesMembers5.005.155.195.155.505.806.00
Members
18 months = 5.19
LVR < 80%4.954.95
NZ Home LoansResidential5.855.455.255.455.756.25
Paraloanfor people with physical disabilities....from3.60
ResimacStandard LVR < 80% 5.595.355.555.906.206.50
Standard LVR >80%5.795.555.756.106.406.70
Lo Doc <70%6.596.356.556.907.207.50
Sentinel Lifetime Loan6.70

Insurance companies

Institution Product Variable floating 6
months		 1
year		 2
years		 3
years		 4
years		 5
years
AMP Home Loans LimitedStandard < $200,0006.245.255.254.995.655.995.99
Priority > $200,0006.145.155.154.895.555.895.89
Fidelity LifeResidential5.705.856.35
Commercial7.05
Sovereign Standard Go5.855.455.195.455.755.956.25
Standard Go
18 months = 5.45

Mortgage trusts

Institution Product Variable floating 6
months		 1
year		 2
years		 3
years		 4
years		 5
years
Capital Mortgage Income Trust Residential10.00
Residential Rental10.50
Commercial and Rural11.00
First Mortgage Trust Residential - from7.25*
Commercial / Rural - from7.25
NZ Mortgage Income Trust Residential11.75
Residential Rental12.50
Commercial12.50
Rural11.75

Trustee Companies

Institution Product Variable floating 6
months		 1
year		 2
years		 3
years		 4
years		 5
years
NZ Anglican Church Pension BoardStandard5.705.055.305.65
Perpetual Trust Residential7.70
Rural9.00
Commercial10.00