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 »
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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 »

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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
ANZStandard6.49*5.59*5.10*5.59*5.59*5.75*5.79*
Standard
18 months = 5.55* Make it yours, get an online indicative approval today
Special LVR under 80%4.99*
ASBResidential6.505.495.495.495.755.755.99
Residential
Special LVR < 80%4.995.105.395.65
HomePlus Equity Release8.00
BankDirectStandard6.505.495.495.495.755.99
Standard
18 months = 5.99
Special LVR < 80%4.995.105.395.65
BNZSpecial - Classic4.99
TotalMoney6.34
Std & Flybuys6.495.595.195.395.295.655.75
Std & Flybuys
Co-operative BankResidential6.45*5.45*5.15*4.99*5.35*5.55*5.69*
Residential
18 months = 4.99* We'd love to talk to you about home loan options
HBS BankResidential6.395.595.395.395.395.59
Residential
18 months = 5.39
Special4.994.994.99
Special
18 months = 4.99
Advance Equity Release7.596.596.79
Heartland BankResidential6.706.907.007.257.858.55
Everyday Gold6.70
Home Equity8.35
HSBCPremier6.605.654.954.955.405.505.60
ICBCStandard6.395.545.245.345.345.645.64
Standard
18 months = 5.34
KiwibankStandard6.40*5.39*5.39*5.49*5.69*5.75*5.99*
Special 5.09*4.99*5.39*5.60*
Chc new build Special5.45*5.14*5.14*5.24*5.44*5.50*5.74*
Offset Mortgage 6.40
KookminStandard6.805.995.996.19
SBS BankResidential6.395.595.395.395.395.59
Residential
18 months = 5.39
Special4.994.994.99
Special
18 months = 4.99
Advance Equity Release7.596.596.79
TSB BankStandard6.49*5.60*5.45*5.49*5.75*5.85*5.85*
Standard
18 months = 5.59* TSB Bank Home Loans_ Apply now or find out more
Special4.99*5.40*
Special
10 years = 5.95* TSB Bank Home Loans. Apply now or find out more
Lifestyle8.00
WestpacStandard 6.405.495.495.495.595.755.79
Standard
18 months = 5.49
Special LVR < 80%4.99*
Choices Offset6.40*
Choices Everyday6.50
Capped 6.596.746.99

Building societies

Institution Product Variable floating 6
months
1
year
2
years
3
years
4
years
5
years
HeretaungaResidential6.455.405.40
NapierResidential6.505.80
Rural and Commercial7.50
NelsonResidential6.705.655.95
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 apply5.995.49

Crown agencies

Institution Product Variable floating 6
months
1
year
2
years
3
years
4
years
5
years
Housing NZResidential6.495.395.595.595.79

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 LoansResidential6.605.495.495.496.295.755.99
Paraloanfor people with physical disabilities....from3.60
ResimacStandard LVR < 80% 5.845.605.655.795.906.04

Insurance companies

Institution Product Variable floating 6
months
1
year
2
years
3
years
4
years
5
years
AMP Home LoansPriority > $200,0006.895.295.094.99*5.39*5.755.60*
Standard < $200,0006.995.395.094.99*5.39*5.755.60*
Sovereign Standard Go6.605.495.495.495.755.755.99
Standard Go
18 months = 5.49
Special LVR < 80%4.995.105.395.65

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 BoardStandard6.305.054.905.30