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Mortgages

Mortgage Intro

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Banks

Institution	Product	Variable floating	6 months	1 year	2 years	3 years	4 years	5 years
	Simple Variable	5.74
	Standard		5.65	5.70	5.79	6.45	6.85	7.25
	Standard	18 months = 5.89
	Chc Red Zone special	3.70
	Residential	5.75	5.75	5.70	5.85	6.10	6.50	6.90
	Residential	18 months = 5.80
	Chc Red Zone Special	3.75
	HomePlus Equity Release	7.25
BankDirect	Standard	5.75	5.75	5.70	5.85	6.10		6.90
	Standard	18 months = 5.80
	Classic			5.75
	Classic	18 months = 5.89 30 months = 6.10
	TotalMoney	5.74
	Chc Red Zone special	3.74
	Standard & Flybuys	5.99	5.75	5.85	5.89	6.15	6.50	6.90
	Standard & Flybuys	7 years = 7.55
	Global Plus	5.99	5.75	5.85	5.89	6.15	6.50	6.90
	Global Plus	18 months = 6.10 7 years = 7.55
HBS Bank	Residential	5.65	5.65	5.70	5.79	6.25		7.25
	Premier	5.99	5.49	5.65	5.87	6.40	6.80	7.20
	Home Smart Intro	5.99
Kiwibank	Standard	5.65	5.65	5.65	5.79	6.10	6.50	6.90
	Chc Red Zone special	3.65*
	Offset Mortgage	5.50
	Capped Variable	5.65		6.50
Kookmin	Standard	6.00	5.99	5.99	6.50
	Thoroughbred	5.74	5.65	5.70	5.79	6.45	6.85	7.25
	Thoroughbred	18 months = 5.89
	Chc Red Zone special	3.70
	Residential	5.65	5.65	5.70	5.79	6.25		7.25
	Special (conditions apply)				5.65
	Chc Red Zone Special	3.65
	Advance Equity Release	7.10				9.90		10.75
The Co-operative Bank	Residential	5.70	5.70	5.70	5.85	6.15	6.45
	Discounted	5.20
	Standard	5.79	5.75	5.70	5.78	6.25	6.60	7.25
	Standard	18 months = 5.89
	Standard	6.24	5.59	5.59	5.79	6.45	6.85	7.25
	Standard	18 months = 5.89
	Chc Red Zone special	3.65
	Choices Everyday	5.60
	Capped Variable Rate	6.24		6.75

Building societies

Institution	Product	Variable floating	6 months	1 year	2 years	3 years	4 years	5 years
CBS Canterbury	Residential	5.95	6.15	6.25	6.50	7.10		7.80
	Everyday Gold	5.95
Heretaunga	Residential	5.75		5.80	6.00
Napier	Residential	5.80		6.00
	Rural and Commercial	7.50
Nelson	Residential	6.45		6.25	6.50
Southern Cross	Residential	5.95	6.15	6.25	6.50	7.10
Wairarapa	Residential	6.20		6.70	6.95

Credit unions

Institution	Product	Variable floating	6 months	1 year	2 years	3 years	4 years	5 years
CU Auckland		6.20
CU Baywide	Residential	5.85	5.75	5.70	5.85	6.10
	Residential	18 months = 5.80
CU North	Standard	5.80		5.80	5.95	6.45
CU South	Residential	5.85
First CU	Residential	6.45
Manchester Unity	Residential	6.15		5.85	5.95	6.05
Police CU	Residential	5.25		5.65	5.75
United CU	Residential	6.00

Crown Agencies

Institution	Product	Variable floating	6 months	1 year	2 years	3 years	4 years	5 years
Housing NZ	Residential	5.75		5.65	5.89	6.30		7.10
Public Trust	Residential	5.60	5.40	5.45	5.60	6.10	6.50	6.90

Finance companies

Institution	Product	Variable floating	6 months	1 year	2 years	3 years	4 years	5 years
eMortgage	Residential	6.04	6.55	6.15	6.69	7.19	7.65	7.90
FinanceDirect	Freestyle	5.60	5.85	5.95	6.40	6.90	7.30	7.60
	Freestyle	18 months = 6.00
General Finance	Residential ....from	5.95		6.25	6.50	7.10
Hibernian	Standard	5.50
	Home Equity	5.50
Liberty Financial	Residential	5.75
Medical Securities	Members	5.49	5.40	5.45	5.54	6.20	6.60	7.00
	Members	18 months = 5.64
NZ Home Loans	Residential	5.85	5.75	5.70	5.85	6.10		6.90
NZF	Standard LVR <70%	5.85	5.90	5.95	6.75	7.20
	Standard LVR <80%	5.85	5.90	5.95	6.90	7.35
	Standard LVR >80%	6.10	6.10	6.15	7.15	7.60
Paraloan	for people with physical disabilities....from					3.60
Sentinel	Lifetime Loan	6.70
Silver Fern Mortgages	Residential	5.95	6.00	6.10	6.55	7.05	7.50	7.80

Insurance companies

Institution	Product	Variable floating	6 months	1 year	2 years	3 years	4 years	5 years
AMP Home Loans Limited	Standard < $200,000	6.24	5.59	5.59	5.89	6.45	6.85	7.25
	Standard < $200,000	18 months = 5.89
	Priority > $200,000	6.14	5.49	5.49	5.79	6.35	6.75	7.15
	Priority > $200,000	18 months = 5.79
Fidelity Life	Residential	5.70		5.85	6.35
	Commercial	7.05
Sovereign	Standard Go	5.85	5.75	5.70	5.85	6.10	6.50	6.90
	Standard Go	18 months = 5.80

Mortgage trusts

Institution	Product	Variable floating	6 months	1 year	2 years	3 years	4 years	5 years
Capital Mortgage Income Trust	Residential	10.00
	Residential Rental	10.50
	Commercial and Rural	11.00
First Mortgage Trust	Residential - from	7.25*
	Commercial / Rural - from	7.25
NZ Mortgage Income Trust	Residential	11.75
	Residential Rental	12.50
	Commercial	12.50
	Rural	11.75

Trustee Companies

Institution	Product	Variable floating	6 months	1 year	2 years	3 years	4 years	5 years
NZ Anglican Church Pension Board	Standard	5.70		5.65	5.85	6.25
Perpetual Trust	Residential	7.70
	Rural	9.00
	Commercial	10.00