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Mortgages

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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
ANZStandard5.995.495.856.496.857.197.40
Standard
18 months = 5.99
Special LVR under 80%5.95
Low equity LVR over 80%5.996.356.997.357.697.90
Low equity LVR over 80%
18 months = 6.49
ASBResidential6.005.555.856.496.857.197.40
Residential
18 months = 5.99
0% Special LVR < 80%6.29
HomePlus Equity Release7.50
BankDirectStandard6.005.555.856.496.857.40
Standard
18 months = 5.99
BNZClassic LVR < 80%5.95
TotalMoney5.99
Std & Flybuys6.195.555.856.296.297.197.40
Global Plus6.195.555.856.296.297.197.40
Global Plus
Co-operative BankResidential5.955.555.655.996.356.857.10
Residential
18 months = 5.85
HBS BankResidential5.905.405.605.996.356.99
Residential
18 months = 5.85
Heartland BankResidential6.206.406.506.757.358.25
Everyday Gold6.20
HSBCPremier6.245.395.596.296.556.997.20
Premier Special5.79
KiwibankStandard5.905.555.696.296.406.997.20
Special LVR < 80%5.99
Chc new build Special4.90*5.30*5.44*5.74*6.15*6.74*6.95*
Offset Mortgage 5.60
Capped Variable 5.906.50
KookminStandard6.245.755.896.49
SBS BankResidential5.905.405.605.996.356.99
Residential
Advance Equity Release7.107.908.55
TSBStandard6.045.355.405.996.406.997.20
Standard
18 months = 5.85
WestpacStandard 5.745.505.856.496.857.197.40
Standard
18 months = 5.99
Special LVR < 80%5.95*
Choices Offset5.74*
Choices Everyday6.00
Capped 5.746.196.69

Building societies

Institution Product Variable floating 6
months
1
year
2
years
3
years
4
years
5
years
HeretaungaResidential6.005.856.50
NapierResidential5.805.50
Rural and Commercial7.25
NelsonResidential6.455.956.60
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 BaywideResidential5.855.705.906.50
CU SouthResidential6.25
First CUResidential5.85
Police CUResidential5.496.05
United CUResidential5.75

Crown Agencies

Institution Product Variable floating 6
months
1
year
2
years
3
years
4
years
5
years
Housing NZResidential5.755.506.306.407.20

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 SecuritiesMembership Criteria Apply5.25*5.09*5.55*6.19*6.55*6.89*7.10*
Membership Criteria Apply
18 months = 5.69* Membership Criteria Apply
NZ Home LoansResidential6.105.555.856.496.857.197.40
Paraloanfor people with physical disabilities....from3.60
ResimacStandard LVR < 80% 5.845.645.996.556.706.79
Standard LVR < 85%6.846.646.697.557.707.79
Standard LVR < 90%7.847.647.998.558.708.79
Lo Doc <70%7.347.147.498.058.208.29
Sentinel Lifetime Loan6.70

Insurance companies

Institution Product Variable floating 6
months
1
year
2
years
3
years
4
years
5
years
AMP Home LoansStandard < $200,0006.495.555.695.996.407.20
Priority > $200,0006.395.455.595.996.307.10*
Fidelity LifeResidential5.905.706.30
Commercial7.05
Sovereign Special LVR < 80%6.29
Standard Go6.105.555.856.496.857.197.40
Standard Go
18 months = 5.99

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 Residential8.00
Residential Rental8.50
Commercial9.00
Rural8.50

Trustee Companies

Institution Product Variable floating 6
months
1
year
2
years
3
years
4
years
5
years
NZ Anglican Church Pension BoardStandard5.805.556.056.35
Perpetual Trust Residential7.70
Rural9.00
Commercial10.00