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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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See our comparison of home loan cash incentives here »

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Banks

Institution Product Variable floating 6
months
1
year
2
years
3
years
4
years
5
years
ANZStandard6.74*5.80*6.09*6.19*6.39*6.49*6.59*
Standard
Special LVR under 80%5.59*5.75*5.99*
Special LVR under 80%
ASBResidential6.755.805.996.196.396.396.49
Residential
Special LVR < 80%5.705.755.995.99
HomePlus Equity Release8.00
BankDirectStandard6.755.805.996.196.396.49
Standard
18 months = 6.09
Special LVR < 80%5.705.755.99
BNZClassic LVR < 80%5.695.75
TotalMoney6.74
Std & Flybuys6.745.895.896.195.856.496.59
Global Plus6.745.895.896.195.856.496.59
Global Plus
Co-operative BankResidential6.705.905.695.755.996.406.49
Residential
18 months = 5.75
HBS BankResidential6.655.805.695.745.996.49
Residential
18 months = 5.74
Special5.595.495.696.19
Advance Equity Release7.857.397.99
Heartland BankResidential6.706.907.007.257.858.55
Everyday Gold6.70
HSBCPremier6.845.855.695.755.996.496.79
Premier Special5.39
ICBCStandard6.755.805.996.39
Standard
18 months = 6.25
KiwibankStandard6.65*5.89*5.69*6.19*6.55*6.59*6.69*
Special 5.75*5.89*
Chc new build Special5.65*5.64*5.44*5.74*6.40*6.34*6.54*
Offset Mortgage 6.55
KookminStandard6.806.096.196.69
SBS BankResidential6.655.805.695.745.996.49
Residential
18 months = 5.74
Special5.595.495.696.19
Advance Equity Release7.857.397.99
TSB BankStandard6.74*5.80*5.70*5.99*6.20*6.40*6.50*
Standard
Special5.70*5.95*
Lifestyle8.00
WestpacStandard 6.595.806.096.396.656.796.99
Standard
18 months = 6.30
Special LVR < 80%5.99*6.49*
Special LVR < 80%
18 months = 5.75
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
HeretaungaResidential6.706.006.30
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 BaywideStandard6.456.106.056.20
Smart Call6.456.005.955.99
NZCU SouthResidential6.455.956.00
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 NZResidential6.745.706.196.396.49

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*5.65*5.85*6.09*6.19*6.49*6.69*
Membership Criteria Apply
18 months = 5.95*
NZ Home LoansResidential6.855.895.996.196.556.596.69
Paraloanfor people with physical disabilities....from3.60
ResimacStandard LVR < 80% 6.596.106.286.436.756.99

Insurance companies

Institution Product Variable floating 6
months
1
year
2
years
3
years
4
years
5
years
AMP Home LoansPriority > $200,0007.145.795.595.995.89*6.59
Standard < $200,0007.245.895.695.995.89*6.69
Sovereign Standard Go6.855.805.996.196.396.396.49
Standard Go
18 months = 6.09
Special LVR < 80%5.705.755.995.99

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 - from6.70*
Commercial / Rural - from6.70
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 BoardStandard6.505.806.056.20
Perpetual Trust Residential7.70
Rural9.00
Commercial10.00