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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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Banks

Institution Product Variable floating 6
months
1
year
2
years
3
years
4
years
5
years
ANZStandard6.745.956.056.496.656.957.15
Standard
18 months = 6.25
Special LVR under 80%6.09
Low equity LVR over 90%6.456.556.997.157.457.65
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%5.95
HomePlus Equity Release8.00
BankDirectStandard6.755.806.096.406.656.99
Standard
18 months = 6.30
Special LVR < 80%5.95
BNZClassic LVR < 80%6.25
TotalMoney6.74
Std & Flybuys6.745.895.996.396.596.796.99
Global Plus6.745.895.996.396.596.796.99
Global Plus
Co-operative BankResidential6.706.006.006.006.256.756.89
Residential
18 months = 6.00
HBS BankResidential6.305.805.856.206.256.79
Residential
18 months = 5.99
Special5.95
Advance Equity Release7.507.457.99
Heartland BankResidential6.456.656.757.007.608.30
Everyday Gold6.45
HSBCPremier6.845.855.955.996.256.896.99
Premier Special5.85*5.85*5.85*
KiwibankStandard6.655.895.996.296.296.806.95
Chc new build Special5.65*5.64*5.74*6.04*6.04*6.55*6.70*
Offset Mortgage 6.55
KookminStandard6.806.096.196.69
SBS BankResidential6.305.805.856.206.256.79
Residential
Special5.95
Advance Equity Release7.507.457.99
TSB BankStandard6.745.856.006.196.606.807.00
Standard
18 months = 6.05
Special5.80
Lifestyle8.64
WestpacStandard 6.595.806.096.396.656.796.99
Standard
18 months = 6.30
Special LVR < 80%5.956.09
Choices Offset6.59*
Choices Everyday6.75
Capped 6.596.496.99

Building societies

Institution Product Variable floating 6
months
1
year
2
years
3
years
4
years
5
years
HeretaungaResidential6.706.006.50
NapierResidential6.205.80
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 CUResidential5.996.29
United CUResidential5.75

Crown Agencies

Institution Product Variable floating 6
months
1
year
2
years
3
years
4
years
5
years
Housing NZResidential6.506.006.306.607.00

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 FinancialResidential5.89
Medical SecuritiesMembership Criteria Apply6.00*5.65*5.75*6.19*6.35*6.65*6.85*
Membership Criteria Apply
18 months = 5.95* Membership Criteria Apply
NZ Home LoansResidential6.605.896.096.406.656.806.99
Paraloanfor people with physical disabilities....from3.60
ResimacStandard LVR < 80% 6.596.066.386.827.227.36
Standard LVR < 85%7.597.067.387.828.228.36
Standard LVR < 90%8.598.068.388.829.229.36
Low Doc <70%7.597.067.387.828.228.36
Sentinel Lifetime Loan6.70

Insurance companies

Institution Product Variable floating 6
months
1
year
2
years
3
years
4
years
5
years
AMP Home LoansPriority > $200,0007.145.795.896.196.29*6.85
Standard < $200,0007.245.895.996.296.29*6.95
Sovereign Standard Go6.855.806.096.406.656.806.99
Standard Go
18 months = 6.30
Special LVR < 80%5.95

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 BoardStandard6.505.906.256.40
Perpetual Trust Residential7.70
Rural9.00
Commercial10.00