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
ANZ	Standard	4.44	4.15	3.15	3.25	3.39	4.15	4.25
	Standard	18 months = 3.25
	Special LVR under 80%		3.55	2.55	2.69	2.79
	Special LVR under 80%	18 months = 2.65
	Residential	4.45	4.05	3.19	3.19	3.49	3.59	3.69
	Residential	18 months = 3.15
	Special LVR < 80%		3.55	2.69	2.69	2.99	3.09	3.19
	Special LVR < 80%	18 months = 2.65
Bank of Baroda	Standard	5.25		3.85	3.90
Bank of China	Standard	5.00	5.15	5.25	5.35	5.50	5.70	5.99
	Special	4.35	3.45	2.55	2.65	2.75	2.85	2.95
	Special	18 months = 2.65
	Special - Classic			2.55	2.69	2.99	2.99	2.99
	Special - Classic	18 months = 2.69
	TotalMoney	4.55
	Std & Flybuys	4.55	4.29	3.25	3.29	3.59	3.59	3.59
	Std & Flybuys	18 months = 3.29 7 years = 5.20
China Construction Bank	Standard	5.00	4.70	4.70	4.80	4.95	4.95	4.95
	Special			2.65	2.65	2.80	2.89	2.99
	Special	18 months = 2.65
Co-operative Bank	Owner Occupied	4.40	2.69	2.69	2.75	2.99	3.19	3.29
	Owner Occupied	18 months = 2.75
	Standard	4.40	3.19	3.19	3.25	3.49	3.69	3.79
	Standard	18 months = 3.25
Heartland Bank	Residential	3.95		2.89	2.97	3.39
	Reverse Mortgage	6.20
HSBC	Premier	4.49	2.95	2.60	2.65	2.80	2.89	2.99
	Premier	18 months = 2.65
ICBC	Standard	5.79	5.35	4.49	4.69	4.99	5.45	5.49
	Special	3.99	2.95	2.58	2.68	2.79	2.99	3.45
	Special	18 months = 2.79
	Standard	3.40	4.30	3.40	3.54	4.00	4.20	4.30
	Special		3.55	2.65	2.79	3.25	3.45	3.55
	Offset Mortgage	3.40
Kookmin	Standard	5.20	4.30	4.30	4.40
	Residential	4.54	3.89	3.29	3.19	3.49	3.59	3.69
	Residential	18 months = 3.29 click here to contact SBS Bank
	Special		3.39	2.79	2.69	2.99	3.09	3.19
	Special	18 months = 2.79 click here to contact SBS Bank
	Unwind reverse equity	6.20
	Standard	5.34	3.79	3.35	3.49	3.79	3.99	3.99
	Standard	18 months = 3.49 TSB Bank Home Loans_ Apply now or find out more
	Special LVR <80%	4.54	2.99	2.55	2.69	2.99	3.19	3.19
	Special LVR <80%	18 months = 2.69 TSB Home Loans_ Apply now or find out more
	Price match promise				2.69	2.79	2.99	2.99
	Price match promise	18 months = 2.65 TSB Home Loans - apply now
	Standard	4.59	4.79	4.15	4.09	4.49	4.85	4.95
	Standard	18 months = 4.25
	Special LVR < 80%			2.55	2.69	2.79	2.99	2.99
	Choices Offset	4.59
	Choices Everyday	4.69

Building societies

Institution	Product	Variable floating	1 year	2 years
Heretaunga	Residential	4.99	4.35	4.45
Nelson	Residential	4.95	3.45	3.49
Wairarapa	Residential	4.99	3.75	3.99

Credit unions

Institution	Product	Variable floating	6 months	1 year	2 years
First CU	Special	5.85		3.35	3.85
	Standard	5.85		3.99	4.49
NZ Firefighters CU	Residential	6.50
NZCU Auckland		5.95
NZCU Baywide	Residential	5.65	4.99	4.75	4.75
	Residential	18 months = 4.75
NZCU South	Residential LVR < 80%	5.65	4.99	4.75	4.75
	Residential LVR < 80%	18 months = 4.75
Police CU	Membership criteria apply	3.94		2.99

Crown agencies

Institution	Product	Variable floating	6 months	1 year	2 years	3 years	4 years	5 years
Kainga Ora - HNZ	Residential	4.43		3.29	3.39	3.85		4.08

Other non-bank lenders

Institution	Product	Variable floating	1 year	2 years	3 years	4 years	5 years
Basecorp Finance	Prime, from	6.95
Bluestone	Full Doc, Prime, 80% LVR	4.84	4.84	4.84	4.84	4.84	4.84
	Full Doc, Prime, 60% LVR	4.44	4.44	4.44	4.44	4.44	4.44
Christian Savings	Residential	5.19	3.49	3.49
	Commercial	5.59	4.79	4.65
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
Pepper Money	Essential	4.79
	Easy	4.19
	Advantage	6.29
Resimac	Standard LVR < 80%	3.49	3.45	3.39	3.69	3.79	3.89
Simplicity	Member first home loan	2.50

Insurance companies

Institution	Product	Variable floating	6 months	1 year	2 years	3 years	4 years	5 years
AIA / Sovereign	Standard Go	4.55	4.05	3.19	3.19	3.49	3.59	3.69
	Standard Go	18 months = 3.55
	Special LVR < 80%		3.55	2.69	2.69	2.99	3.05	3.19
	Special LVR < 80%	18 months = 2.65
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

Mortgage trusts

Institution	Product	Variable floating
First Mortgage Trust	Residential - from	7.75
	Commercial / Rural - from	7.75
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	4.40		2.60	2.70	3.00

Mortgages

Banks

Building societies

Credit unions

Crown agencies

Other non-bank lenders

Insurance companies

Mortgage trusts

Trustee Companies

In this section