Mortgages
If you are Floating now, and are wondering if Fixing makes sense for you, see this handy tool »
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 |
|---|---|---|---|---|---|---|---|---|
| ANZ | Standard | 5.69 | 4.99 | 4.39 | 4.45 | 4.55 | 4.85 | 4.95 |
| Standard | 18 months =
4.69
| |||||||
| Special LVR under 80% | 3.89 | 3.95 | 4.05 | |||||
| Special LVR under 80% | 18 months =
4.19
| |||||||
 | Residential | 5.70 | 5.25 | 4.45 | 4.39 | 4.55 | 4.85 | 4.95 |
| Residential | ||||||||
| Special LVR < 80% | 4.95 | 3.95 | 3.89 | 4.05 | 4.35 | 4.45 | ||
| Special LVR < 80% | ||||||||
| Bank of Baroda | Standard | 5.59 | 4.69 | 4.59 | ||||
| Bank of China | Standard | 5.75 | 4.99 | 4.85 | 4.89 | 5.10 | ||
 | Special - Classic | 3.89 | 3.95 | 3.89 | 4.35 | 4.45 | ||
| TotalMoney | 5.80 | |||||||
| Std & Flybuys | 5.80 | 4.99 | 4.69 | 4.59 | 4.79 | 5.19 | 5.39 | |
| Std & Flybuys | ||||||||
| China Construction Bank | Standard | 5.80 | 5.15 | 5.10 | 3.65 | 3.90 | ||
 | Owner Occupied | 5.65 | 3.99 | 3.99 | 3.99 | 4.15 | 4.39 | 4.49 |
| Owner Occupied | 18 months =
4.09
We'd love to talk to you about home loan options
| |||||||
| Standard | 5.65 | 4.49 | 4.49 | 4.49 | 4.65 | 4.89 | 4.99 | |
| Standard | ||||||||
| Heartland Bank | Reverse Mortgage | 7.82 | ||||||
 | Premier | 5.89 | 4.85 | 3.99 | 3.99 | 4.39 | 4.89 | 4.95 |
| Premier | ||||||||
| ICBC | Standard | 5.79 | 4.85 | 3.99 | 3.99 | 4.49 | 4.95 | 4.99 |
| Standard | 18 months =
4.19
| |||||||
 | Standard | 5.65 | 5.74 | 4.80 | 4.94 | 4.84 | 5.04 | 5.14 |
| Special | 4.99 | 4.05 | 3.99 | 4.09 | 4.29 | 4.39 | ||
| Offset Mortgage | 5.65 | |||||||
| Kookmin | Standard | 5.85 | 5.10 | 5.10 | 5.30 | |||
 | Residential | 5.79 | 5.25 | 4.85 | 5.05 | 5.49 | 5.89 | 6.09 |
| Residential | 18 months =
5.15
click here to contact SBS Bank
| |||||||
| Special | 4.99 | 3.99 | 3.99 | 3.99 | 4.49 | 4.49 | ||
| Special | 18 months =
3.99
click here to contact SBS Bank
| |||||||
| Advance Equity Release | 7.55 | |||||||
 | Standard | 5.69 | 5.35 | 4.45 | 4.49 | 4.65 | 4.95 | 5.05 |
| Standard | 18 months =
4.69
TSB Bank Home Loans_ Apply now or find out more
| |||||||
| Special | 4.85 | 4.05 | 3.99 | 4.15 | 4.45 | 4.55 | ||
| Special | 18 months =
4.19
TSB Home Loans_ Apply now or find out more
| |||||||
| Price match promise | 5.69 | 3.89 | 3.89 | 3.89 | 4.35 | 4.45 | ||
| Price match promise | 18 months =
4.09
TSB Home Loans - apply now
| |||||||
 | Standard | 5.79 | 4.99 | 4.69 | 4.79 | 5.19 | 5.29 | 5.49 |
| Standard | ||||||||
| Special LVR < 80% | 3.89 | 3.95 | 3.95 | 4.35 | 4.45 | |||
| Special LVR < 80% | ||||||||
| Choices Offset | 5.79 | |||||||
| Choices Everyday | 5.84 | |||||||
Building societies
| Institution | Product | Variable floating | 6 months |
1 year |
2 years |
3 years |
4 years |
5 years |
|---|---|---|---|---|---|---|---|---|
| Heretaunga | Residential | 5.75 | 4.60 | 4.75 | ||||
| Nelson | Residential | 6.10 | 4.89 | 4.99 | ||||
| Wairarapa | Residential | 5.70 | 4.85 | 4.99 |
Credit unions
| Institution | Product | Variable floating | 6 months |
1 year |
2 years |
3 years |
4 years |
5 years |
|---|---|---|---|---|---|---|---|---|
| First CU | Residential | 5.85 | 4.49 | 4.79 | ||||
| NZ Firefighters CU | Residential | 6.50 | ||||||
| NZCU Auckland | 5.95 | |||||||
| NZCU Baywide | Residential | 6.15 | 5.60 | 5.20 | 5.25 | |||
| Residential | 18 months =
5.30
| |||||||
| NZCU South | Residential LVR < 80% | 5.85 | 4.90 | 5.25 | 5.65 | |||
| Police CU | Membership criteria apply | 5.19 | 4.25 | |||||
Crown agencies
| Institution | Product | Variable floating | 6 months |
1 year |
2 years |
3 years |
4 years |
5 years |
|---|---|---|---|---|---|---|---|---|
| Housing NZ | Residential | 5.80 | 4.45 | 4.49 | 4.45 | 4.95 |
Other non-bank lenders
| Institution | Product | Variable floating | 6 months |
1 year |
2 years |
3 years |
4 years |
5 years |
|---|---|---|---|---|---|---|---|---|
| Basecorp Finance | Prime, from | 6.95 | ||||||
| Christian Savings | Residential | 5.49 | 4.69 | 4.90 | ||||
| Commercial | 5.99 | 5.74 | 5.99 | |||||
| General Finance | Residential ....from | 5.95 | 6.25 | 6.50 | 7.10 | |||
| Hibernian | Standard | 5.50 | ||||||
| Home Equity | 5.50 | |||||||
| Liberty Financial | Residential | 5.69 | ||||||
| Mike Pero Mortgages | Residential | 5.69 | ||||||
| Residential Investor < 70% LVR | 5.69 | |||||||
| Paraloan | for people with physical disabilities....from | 3.20 | ||||||
| Resimac | Standard LVR < 80% | 5.30 | 4.86 | 4.46 | 4.69 | 4.99 | 5.09 |
Insurance companies
| Institution | Product | Variable floating | 6 months |
1 year |
2 years |
3 years |
4 years |
5 years |
|---|---|---|---|---|---|---|---|---|
| AMP Home Loans | Standard < $200,000 | 6.19 | 4.99 | 4.19 | 4.39 | 4.99 | 5.65 | 5.69 |
| Priority > $200,000 | 6.09 | 4.89 | 4.19 | 4.39 | 4.99 | 5.55 | 5.59 | |
| Sovereign | Standard Go | 5.80 | 5.25 | 4.45 | 4.39 | 4.55 | 4.85 | 4.95 |
| Standard Go | 18 months =
4.59
| |||||||
| Special LVR < 80% | 4.95 | 3.95 | 3.89 | 4.05 | 4.35 | 4.45 | ||
| Special LVR < 80% | 18 months =
4.19
| |||||||
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 | |||||||
| Midlands Mortgage Trust | Residential | 7.25 | ||||||
| Commercial | 8.00 | |||||||
| Rural | 7.75 | |||||||
| NZ Mortgage Income Trust (No 2 Fund) | Residential | 8.00 | ||||||
| Residential Rental | 8.00 | |||||||
| Commercial | 8.00 | |||||||
| Rural | 8.00 |
Trustee Companies
| Institution | Product | Variable floating | 6 months |
1 year |
2 years |
3 years |
4 years |
5 years |
|---|---|---|---|---|---|---|---|---|
| NZ Anglican Church Pension Board | Standard >$100,000 | 5.75 | 3.95 | 3.90 | 3.95 |