Mortgages

Banks

Institution	Product	Variable floating	6 months	1 year	2 years	3 years	4 years	5 years
	Standard	8.64	7.95	7.99	7.69	7.49	7.34	7.34
	Standard	18 months = 7.75
	Special LVR under 80%		7.35	7.39	7.09	6.89
	Special LVR under 80%	18 months = 7.15
	Good Energy - Up to $80K					1.00
	Standard	8.64	7.45	7.45	7.05	6.85	6.75	6.69
	Standard	18 months = 7.15
	Better Homes Top Up					1.00
Bank of Baroda	Standard	9.25		7.25	7.95
Bank of China	Standard	9.39		8.09	7.89	7.79	7.69	7.59
	Special	7.49		7.09	6.89	6.79	6.69	6.59
	Special	18 months = 6.99
	Special - Classic		7.39	7.35	7.05	6.85	6.75	6.75
	Special - Classic	18 months = 7.15
	TotalMoney	8.69
	Std & Flybuys	8.69	7.99	7.95	7.65	7.45	7.35	7.35
	Std & Flybuys	18 months = 7.75
	Green Home Loan top-ups					1.00
China Construction Bank	Non Standard	8.14	7.79	7.79	7.39	7.34
	Non Standard	18 months = 7.49
	Standard		7.19	7.09	6.75	6.49	6.40	6.40
	Standard	18 months = 6.89
Co-operative Bank	Owner Occupied	8.40	7.30	7.30	7.05	6.85	6.85	6.85
	Owner Occupied	18 months = 7.15
	Standard	8.40	7.80	7.80	7.55	7.35	7.35	7.35
	Standard	18 months = 7.65
	First Home Buyer Special			7.10
Heartland Bank	Residential	7.99		6.99	6.85	6.65
	Residential	18 months = 6.89
	Reverse Mortgage	9.98
ICBC	Special	7.85	7.19	7.05	6.85	6.59	6.49	6.49
	Special	18 months = 6.95
	Standard	8.50	8.39	8.35	8.05	7.79	7.69	7.69
	Special		7.39	7.35	7.05	6.89	6.79	6.79
	Offset Mortgage	8.50
Kookmin	Standard	9.00	8.60	8.60	8.90
	Residential	8.74	8.05	8.05	7.65	7.29	7.29	7.29
	Residential	18 months = 7.75
	Special		7.55	7.55	7.15	6.79	6.79	6.79
	Special	18 months = 7.25
	First Home Combo			7.05
	Construction lending for FHB	6.19
	Unwind reverse equity	9.95
	Standard	9.44	8.19	8.19	7.89	7.65	7.59	7.59
	Standard	18 months = 7.99
	Special LVR <80%	8.64	7.39	7.39	7.09	6.85	6.79	6.79
	Special LVR <80%	18 months = 7.19
	Standard	8.64	7.99	7.99	7.59	7.35	7.29	7.09
	Standard	18 months = 7.79
	Special LVR < 80%		7.39	7.39	6.99	6.75	6.69	6.49
	Special LVR < 80%	18 months = 7.19
	Greater Choices							0.00
	Choices Offset	8.64
	Choices Everyday	8.74

Building Societies

Institution	Product	Variable floating	1 year	2 years
Heretaunga	Residential	8.90	7.60	7.40
Nelson	Residential	9.00	7.90	7.75
Wairarapa	Residential	8.60	7.15	6.94
	Residential	18 months = 7.10

Credit Unions

Institution	Product	Variable floating	6 months	1 year	2 years
First CU	Special	8.50		7.45	7.35
	Standard	8.50		7.99	7.85
NZCU Auckland		8.55
Police CU	Standard	8.14		7.39	7.09
	Shared Ownership	8.14		7.99	7.69
Unity	Residential	8.64	7.35	6.99	6.99
	Residential	18 months = 7.15

Crown agencies

Institution	Product	Variable floating	6 months	1 year	2 years	3 years	4 years	5 years
Kainga Ora - HNZ	Residential	8.64		7.79	7.59	7.29		6.99

Other non-bank lenders

Institution	Product	Variable floating	6 months	1 year	2 years	3 years	4 years	5 years
Avanti Finance	Near Prime	9.15
Basecorp Finance	Standard, from	9.60
Bluestone	Prime <60% LVR	9.09
CFML Loans	Standard	9.45
Hibernian	Standard	5.50
	Home Equity	5.50
Liberty Financial	Residential	8.59		8.69	8.79	8.94
Paraloan	for people with physical disabilities....from					5.15
Pepper Money	Essential	8.29
	Easy	8.69
	Advantage	10.49
Resimac	Standard LVR < 80%	8.84		8.30	7.89	7.69	7.59	7.49
	Standard LVR < 90%	9.84		9.30	8.89	8.69	8.59	8.49
Simplicity	Member home loan	6.10
Xceda Finance	Short-term & bridge mortgage loans from		9.25	9.25	9.25

Insurance Companies

Institution	Product	Variable floating	6 months	1 year	2 years	3 years	4 years	5 years
AIA	Standard Go	8.74	7.45	7.45	7.05	6.85	6.75	6.69
	Standard Go	18 months = 7.15

Mortgage trusts

Institution	Product	Variable floating
First Mortgage Trust	Residential - from	8.00
	Commercial / Rural - from	8.00
Midlands Mortgage Trust	Residential	8.60
	Commercial	8.85
	Rural	8.70

Banks

Building Societies

Credit Unions

Crown agencies

Other non-bank lenders

Insurance Companies

Mortgage trusts

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