Mortgages

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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.
An AMP360 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
ANZStandard6.74*5.80*5.99*5.99*6.29*6.49*6.49*
Standard
18 months = 6.09* Make it yours, get an online indicative approval today
Special LVR under 80%5.49*5.39*5.79*5.89*
ASBResidential6.755.805.995.996.296.396.49
Residential
Special LVR < 80%5.595.395.395.65
HomePlus Equity Release8.00
BankDirectStandard6.755.805.995.996.296.49
Standard
18 months = 5.99
Special LVR < 80%5.595.395.395.65
BNZTotalMoney6.74
Std & Flybuys6.745.595.495.395.555.655.75
Std & Flybuys
Co-operative BankResidential6.70*5.80*5.59*5.39*5.49*5.69*5.69*
Residential
18 months = 4.99* We'd love to talk to you about home loan options
HBS BankResidential6.655.805.695.395.695.79
Residential
18 months = 5.74
Special5.355.355.35
Advance Equity Release7.856.896.99
Heartland BankResidential6.706.907.007.257.858.55
Everyday Gold6.70
HSBCPremier6.845.655.205.305.405.505.60
ICBCStandard6.395.545.245.345.345.645.64
Standard
18 months = 5.34
KiwibankStandard6.65*5.89*5.59*6.09*6.29*5.99*6.49*
Special 5.39*5.39*5.79*
Chc new build Special5.65*5.64*5.44*5.84*6.04*5.74*5.64*
Offset Mortgage 6.55
KookminStandard6.806.096.196.69
SBS BankResidential6.655.805.695.395.695.79
Residential
18 months = 5.74
Special5.355.355.35
Advance Equity Release7.856.896.99
TSB BankStandard6.74*5.80*5.70*5.70*6.00*6.40*6.50*
Standard
10 years = 5.89* TSB Bank Home Loans_ Apply now or find out more
18 months = 5.80* TSB Bank Home Loans_ Apply now or find out more
Special5.29*5.40*5.85*
Lifestyle8.00
WestpacStandard 6.595.805.995.995.996.396.49
Standard
18 months = 5.99
Special LVR < 80%5.39*5.59*5.65*
Special LVR < 80%
18 months = 5.34* Minimum of 20% equity, salary credit to a Westpac transaction account plus a Westpac credit card required
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
HeretaungaResidential6.705.705.40
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
First CUResidential5.85
NZCU Auckland6.70
NZCU BaywideResidential6.456.005.955.99
Residential
18 months = 5.95
NZCU SouthResidential6.455.956.00
Police CUMembership criteria apply6.245.89

Crown agencies

Institution Product Variable floating 6
months
1
year
2
years
3
years
4
years
5
years
Housing NZResidential6.745.695.705.996.49

Other non-bank lenders

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*5.50*5.79*5.69*5.99*6.19*6.19*
Membership Criteria Apply
18 months = 5.65* Membership Criteria Apply
NZ Home LoansResidential6.855.895.996.096.296.396.49
Paraloanfor people with physical disabilities....from3.60
ResimacStandard LVR < 80% 6.595.885.865.906.026.06

Insurance companies

Institution Product Variable floating 6
months
1
year
2
years
3
years
4
years
5
years
AMP Home LoansPriority > $200,0007.145.795.495.39*5.39*5.79*
Standard < $200,0007.245.895.595.39*5.39*5.79*
Sovereign Standard Go6.855.805.995.996.296.396.49
Standard Go
18 months = 5.99
Special LVR < 80%5.595.395.395.65

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 - from6.70*
Commercial / Rural - from6.70
NZ Mortgage Income Trust (No 2 Fund)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 BoardStandard6.505.505.255.55