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 »


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
ANZStandard5.194.154.054.054.494.754.85
Standard
18 months = 3.89
Special LVR under 80%3.653.393.553.99
Special LVR under 80%
18 months = 3.39
ASBResidential5.204.393.894.054.394.694.79
Residential
Special LVR < 80%3.893.393.553.894.194.29
Special LVR < 80%
Bank of BarodaStandard5.594.594.49
Bank of ChinaStandard5.755.155.255.355.505.705.99
BNZSpecial - Classic3.493.553.894.094.19
Special - Classic
18 months = 3.39
TotalMoney5.30
Std & Flybuys5.304.794.454.354.554.955.15
Std & Flybuys
China Construction BankStandard5.504.704.704.804.954.954.95
Special3.153.153.193.303.45
Co-operative BankOwner Occupied5.153.493.493.593.893.994.09
Owner Occupied
18 months = 3.59
Standard5.153.993.994.094.394.494.55
Standard
18 months = 4.09
Heartland BankReverse Mortgage6.95
HSBCPremier5.244.193.543.543.693.793.89
Premier
ICBC Standard5.795.354.494.694.995.455.49
Special5.154.293.183.183.203.993.99
Special
18 months = 3.18
KiwibankStandard5.155.044.204.304.644.744.84
Special 4.293.453.553.893.994.09
Offset Mortgage 5.15
KookminStandard5.854.854.855.05
SBS BankResidential5.295.254.855.055.495.896.09
Residential
18 months = 5.15 click here to contact SBS Bank
Special4.293.393.553.894.494.49
Special
18 months = 3.69 click here to contact SBS Bank
Advance Equity Release6.95
TSB BankStandard6.094.694.194.354.695.255.35
Standard
18 months = 4.35 TSB Bank Home Loans_ Apply now or find out more
Special LVR <80%5.293.893.393.553.894.454.55
Special LVR <80%
18 months = 3.55 TSB Home Loans_ Apply now or find out more
WestpacStandard 5.344.794.154.094.494.854.95
Standard
Special LVR < 80%3.393.553.994.354.45
Choices Offset5.34
Choices Everyday5.44

Building societies

Institution Product Variable floating 6
months
1
year
2
years
3
years
4
years
5
years
HeretaungaResidential5.754.804.95
NelsonResidential5.704.254.15
WairarapaResidential5.503.954.05

Credit unions

Institution Product Variable floating 6
months
1
year
2
years
3
years
4
years
5
years
First CUResidential5.853.994.49
NZ Firefighters CUResidential6.50
NZCU Auckland5.95
NZCU BaywideResidential5.654.994.754.75
Residential
18 months = 4.75
NZCU SouthResidential LVR < 80%5.654.994.754.75
Residential LVR < 80%
18 months = 4.75
Police CUMembership criteria apply4.693.69

Crown agencies

Institution Product Variable floating 6
months
1
year
2
years
3
years
4
years
5
years
Kainga Ora - HNZResidential5.183.974.054.394.73

Other non-bank lenders

Institution Product Variable floating 6
months
1
year
2
years
3
years
4
years
5
years
Basecorp FinancePrime, from6.95
BluestoneFull Doc, Prime, 80% LVR4.844.844.694.744.794.84
Full Doc, Prime, 60% LVR4.444.444.294.344.394.44
Christian Savings Residential5.193.893.89
Commercial5.595.395.29
General FinanceResidential ....from5.956.256.507.10
Hibernian Standard5.50
Home Equity5.50
Liberty FinancialResidential5.69
Mike Pero MortgagesResidential5.69
Residential Investor < 70% LVR5.69
Paraloanfor people with physical disabilities....from3.20
Pepper MoneyResidential5.27
ResimacStandard LVR < 80% 4.504.453.893.944.494.59

Insurance companies

Institution Product Variable floating 6
months
1
year
2
years
3
years
4
years
5
years
AIA / Sovereign Standard Go5.304.393.894.054.394.694.79
Standard Go
18 months = 4.25
Special LVR < 80%3.893.393.553.894.194.29
Special LVR < 80%
18 months = 3.75
AMP Home LoansStandard < $200,0006.194.994.194.394.995.655.69
Priority > $200,0006.094.894.194.394.995.555.59

Mortgage trusts

Institution Product Variable floating 6
months
1
year
2
years
3
years
4
years
5
years
First Mortgage Trust Residential - from7.25
Commercial / Rural - from7.25
Midlands Mortgage TrustResidential7.25
Commercial8.00
Rural7.75
NZ Mortgage Income Trust (No 2 Fund)Residential8.00
Residential Rental8.00
Commercial8.00
Rural8.00

Trustee Companies

Institution Product Variable floating 6
months
1
year
2
years
3
years
4
years
5
years
NZ Anglican Church Pension BoardStandard >$100,0005.153.403.503.85