Mortgages

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 »

See our comparison of home loan cash incentives here »


Printer-friendly version                                                                                                               see our mortgage calculator here »

Banks

Institution Product Variable floating 6
months
1
year
2
years
3
years
4
years
5
years
ANZStandard5.74*5.15*4.89*5.05*5.10*5.25*5.35*
Standard
18 months = 4.95* Make it yours, get an online indicative approval today
Special LVR under 80%4.39*4.49*
ASBResidential5.755.394.854.995.255.405.50
Residential
Special LVR < 80%4.854.394.494.755.155.25
Special LVR < 80%
18 months = 4.49
BankDirectStandard5.755.394.854.995.255.50
Standard
18 months = 4.99
Special LVR < 80%4.854.394.494.755.25
Special LVR < 80%
18 months = 4.49
BNZSpecial - Classic4.394.394.49*
TotalMoney5.79
Std & Flybuys5.794.994.855.095.255.405.50
Std & Flybuys
Co-operative BankResidential5.70*4.99*4.39*4.49*4.75*4.99*5.15*
Residential
18 months = 4.39* We'd love to talk to you about home loan options
Heartland BankResidential6.706.907.007.257.858.55
Everyday Gold6.70
Home Equity7.75
HSBCPremier6.105.154.254.494.994.994.99
ICBCStandard5.604.394.394.694.995.355.45
Standard
18 months = 4.69
KiwibankStandard5.65*4.85*4.85*5.00*5.25*5.25*5.35*
Special 4.39*4.49*4.85*
Offset Mortgage 5.65
KookminStandard6.205.455.455.65
SBS BankResidential5.74*5.15*4.85*4.99*5.10*5.35*
Residential
18 months = 4.99* click here to contact SBS Bank
Special4.99*4.35*4.35*4.65*5.29
Special
18 months = 4.35* click here to contact SBS Bank
Advance Equity Release6.946.396.79
TSB BankStandard5.74*4.99*4.85*4.95*5.25*5.35*5.35*
Standard
18 months = 5.05* TSB Bank Home Loans_ Apply now or find out more
Special4.35*4.29*4.79*
Special
10 years = 5.75* TSB Bank Home Loans. Apply now or find out more
18 months = 4.69* TSB Bank Home Loans. Apply now or find out more
Lifestyle7.25
WestpacStandard 5.855.154.854.995.105.255.35
Standard
Special LVR < 80%4.39*4.39*4.80*
Choices Offset5.85*
Choices Everyday5.85
Capped 6.596.156.15

Building societies

Institution Product Variable floating 6
months
1
year
2
years
3
years
4
years
5
years
HeretaungaResidential5.754.855.05
NapierResidential6.255.25
Commercial7.50
NelsonResidential6.355.205.40
WairarapaResidential5.704.854.99

Credit unions

Institution Product Variable floating 6
months
1
year
2
years
3
years
4
years
5
years
First CUResidential5.85
NZCU Auckland6.20
NZCU BaywideResidential5.955.355.255.15
Residential
18 months = 5.15
NZCU SouthResidential6.455.755.60
Police CUMembership criteria apply5.244.69

Crown agencies

Institution Product Variable floating 6
months
1
year
2
years
3
years
4
years
5
years
Housing NZResidential5.744.854.995.105.35

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
MASMembership Criteria Apply5.25*4.89*4.69*4.85*4.95*5.09*5.19*
Membership Criteria Apply
18 months = 4.79* Membership Criteria Apply
NZ Home LoansResidential5.854.854.854.995.255.255.35
Specials LVR < 80%4.854.394.494.755.155.25
Paraloanfor people with physical disabilities....from3.60
ResimacStandard LVR < 80% 5.595.245.295.395.515.63

Insurance companies

Institution Product Variable floating 6
months
1
year
2
years
3
years
4
years
5
years
AMP Home LoansPriority > $200,0006.144.854.39*4.49*4.85*5.155.25*
Standard < $200,0006.244.954.39*4.49*4.85*5.255.35*
Sovereign Standard Go5.855.394.854.995.255.405.50
Standard Go
18 months = 4.99
Special LVR < 80%4.854.394.494.755.155.25
Special LVR < 80%
18 months = 4.49

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 BoardStandard >$100,0005.604.304.354.65