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
ANZStandard5.694.994.354.354.554.854.95
Standard
18 months = 4.69
Special LVR under 80%4.493.853.854.05
Special LVR under 80%
18 months = 4.19
ASBResidential5.704.894.294.354.554.854.95
Residential
Special LVR < 80%4.493.893.854.054.354.45
Special LVR < 80%
Bank of BarodaStandard5.594.694.59
Bank of ChinaStandard5.754.994.854.895.10
BNZSpecial - Classic3.853.854.054.354.45
TotalMoney5.80
Std & Flybuys5.804.994.694.594.795.195.39
Std & Flybuys
China Construction BankStandard5.805.155.105.105.305.305.30
Special3.653.90
Co-operative BankOwner Occupied5.653.893.893.894.054.354.45
Owner Occupied
18 months = 3.89
Standard5.654.394.394.394.554.854.95
Standard
18 months = 4.39
Heartland BankReverse Mortgage7.82
HSBCPremier5.894.853.793.793.894.194.29
Premier
ICBC Standard5.654.853.853.953.894.294.39
Standard
18 months = 3.99
KiwibankStandard5.655.544.604.604.745.045.14
Special 4.793.853.853.994.294.39
Offset Mortgage 5.65
KookminStandard5.855.105.105.30
SBS BankResidential5.795.254.855.055.495.896.09
Residential
18 months = 5.15 click here to contact SBS Bank
Special4.993.853.853.994.494.49
Special
18 months = 3.85 click here to contact SBS Bank
Advance Equity Release7.55
TSB BankStandard5.695.354.454.494.554.955.05
Standard
18 months = 4.49 TSB Bank Home Loans_ Apply now or find out more
Special4.853.953.854.054.454.55
Special
18 months = 3.99 TSB Home Loans_ Apply now or find out more
Price match promise5.693.854.054.354.45
WestpacStandard 5.794.994.694.795.195.295.49
Standard
Special LVR < 80%3.853.854.054.354.45
Choices Offset5.79
Choices Everyday5.84

Building societies

Institution Product Variable floating 6
months
1
year
2
years
3
years
4
years
5
years
HeretaungaResidential5.754.604.75
NelsonResidential6.104.894.99
WairarapaResidential5.704.854.99

Credit unions

Institution Product Variable floating 6
months
1
year
2
years
3
years
4
years
5
years
First CUResidential5.854.494.79
NZ Firefighters CUResidential6.50
NZCU Auckland5.95
NZCU BaywideResidential6.155.254.954.95
Residential
18 months = 4.95
NZCU SouthResidential LVR < 80%5.854.905.255.65
Police CUMembership criteria apply5.194.09

Crown agencies

Institution Product Variable floating 6
months
1
year
2
years
3
years
4
years
5
years
Housing NZResidential5.694.454.394.554.95

Other non-bank lenders

Institution Product Variable floating 6
months
1
year
2
years
3
years
4
years
5
years
Basecorp FinancePrime, from6.95
Christian Savings Residential5.494.054.25
Commercial5.795.545.79
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
ResimacStandard LVR < 80% 5.304.864.464.694.995.09

Insurance companies

Institution Product Variable floating 6
months
1
year
2
years
3
years
4
years
5
years
AMP Home LoansStandard < $200,0006.194.994.194.394.995.655.69
Priority > $200,0006.094.894.194.394.995.555.59
Sovereign Standard Go5.804.894.294.354.554.854.95
Standard Go
18 months = 4.29
Special LVR < 80%4.493.893.854.054.354.45
Special LVR < 80%
18 months = 3.89

Mortgage trusts

Institution Product Variable floating 6
months
1
year
2
years
3
years
4
years
5
years
Capital Mortgage Income Trust Residential10.00
Residential Rental10.50
Commercial and Rural11.00
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 >$100,0005.753.803.803.95