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Mortgages

 

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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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See our comparison of home loan cash incentives here »

Banks

Institution Product Variable floating 6
months
1
year
2
years
3
years
4
years
5
years
ANZStandard6.745.956.156.496.496.957.15
Standard
18 months = 6.25
Special LVR under 80%5.755.99
Low equity LVR over 90%6.456.656.996.997.457.65
Low equity LVR over 90%
18 months = 6.75
ASBResidential6.755.806.096.406.656.806.99
Residential
18 months = 6.30
Special LVR < 80%5.996.19
HomePlus Equity Release8.00
BankDirectStandard6.755.806.096.406.656.99
Standard
18 months = 6.30
Special LVR < 80%5.996.19
BNZClassic LVR < 80%5.996.19
TotalMoney6.74
Std & Flybuys6.745.895.996.396.596.796.99
Global Plus6.745.895.996.396.596.796.99
Global Plus
Co-operative BankResidential6.705.905.955.996.196.756.89
Residential
18 months = 5.89
HBS BankResidential6.655.805.855.996.196.79
Residential
18 months = 5.99
Special5.89
Advance Equity Release7.857.397.99
Heartland BankResidential6.706.907.007.257.858.55
Everyday Gold6.70
HSBCPremier6.845.855.955.956.396.796.99
Premier Special5.755.755.75
ICBCStandard6.755.805.996.39
Standard
18 months = 6.25
KiwibankStandard6.655.895.796.396.656.696.79
Special 5.896.19
Chc new build Special5.65*5.64*5.54*5.74*6.40*6.55*6.70*
Offset Mortgage 6.55
KookminStandard6.806.096.196.69
SBS BankResidential6.655.805.855.996.196.79
Residential
Special5.89
Advance Equity Release7.857.397.99
TSB BankStandard6.745.855.956.196.306.807.00
Standard
Special5.79
Lifestyle8.00
WestpacStandard 6.595.806.096.396.656.796.99
Standard
18 months = 6.30
Special LVR < 80%5.99*6.19*
Choices Offset6.59*
Choices Everyday6.75
Capped 6.596.746.99

Building societies

Institution Product Variable floating 6
months
1
year
2
years
3
years
4
years
5
years
HeretaungaResidential6.706.006.50
NapierResidential6.505.80
Rural and Commercial7.50
NelsonResidential6.956.156.60
WairarapaResidential6.205.755.95

Credit unions

Institution Product Variable floating 6
months
1
year
2
years
3
years
4
years
5
years
CU Auckland6.70
CU BaywideResidential6.455.705.906.50
CU SouthResidential6.45
First CUResidential5.85
Police CUResidential6.246.29
United CUResidential6.35

Crown Agencies

Institution Product Variable floating 6
months
1
year
2
years
3
years
4
years
5
years
Housing NZResidential6.745.996.396.596.99

Finance companies

Institution Product Variable floating 6
months
1
year
2
years
3
years
4
years
5
years
General FinanceResidential ....from5.956.256.507.10
Hibernian Standard5.50
Home Equity5.50
Medical SecuritiesMembership Criteria Apply6.00*5.65*5.85*6.19*6.19*6.65*6.85*
Membership Criteria Apply
18 months = 5.95* Membership Criteria Apply
NZ Home LoansResidential6.855.896.096.406.656.806.99
Paraloanfor people with physical disabilities....from3.60
ResimacStandard LVR < 80% 6.596.356.586.776.896.94

Insurance companies

Institution Product Variable floating 6
months
1
year
2
years
3
years
4
years
5
years
AMP Home LoansPriority > $200,0007.145.795.695.996.19*6.69
Standard < $200,0007.245.895.795.996.19*6.79
Sovereign Standard Go6.855.806.096.406.656.806.99
Standard Go
18 months = 6.30
Special LVR < 80%5.996.19

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 Residential10.00
Residential Rental10.50
Commercial11.00
Rural11.00

Trustee Companies

Institution Product Variable floating 6
months
1
year
2
years
3
years
4
years
5
years
NZ Anglican Church Pension BoardStandard6.505.856.256.45
Perpetual Trust Residential7.70
Rural9.00
Commercial10.00