Swap rates

More banks jockey for position on home loan rate levels, with BNZ now shifting rates both ways; up for shorter fixed terms, down for longer fixed terms

More banks jockey for position on home loan rate levels, with BNZ now shifting rates both ways; up for shorter fixed terms, down for longer fixed terms

Our largest mortgage lender reverses its early June home loan rate hikes - and cuts a wider range of term deposit rates at the same time

Our largest mortgage lender reverses its early June home loan rate hikes - and cuts a wider range of term deposit rates at the same time

The Red Bank heaps competitive pressure on ANZ by cutting some longer carded fixed rates, after ANZ raised all its fixed rates in early June

The Red Bank heaps competitive pressure on ANZ by cutting some longer carded fixed rates, after ANZ raised all its fixed rates in early June

By not following ANZ up, its main rivals have opened up a competitive mortgage pricing advantage. Will they take the extra margin and rise too, or the extra volume that lower prices can encourage?

By not following ANZ up, its main rivals have opened up a competitive mortgage pricing advantage. Will they take the extra margin and rise too, or the extra volume that lower prices can encourage?

We look at the 2026 shifts in fixed home loan rates - all rises - and assess whether the cost drivers justify these increases

We look at the 2026 shifts in fixed home loan rates - all rises - and assess whether the cost drivers justify these increases

Our largest bank increases all its fixed mortgage rates to levels equal to or above its main rivals. At the same time it has raised two term deposit rates but left all others unchanged

Our largest bank increases all its fixed mortgage rates to levels equal to or above its main rivals. At the same time it has raised two term deposit rates but left all others unchanged

Money markets, bank economists, and you, all struggle with assessing what will happen at the four OCR reviews to come in 2026 and the resulting interest rates moves

Money markets, bank economists, and you, all struggle with assessing what will happen at the four OCR reviews to come in 2026 and the resulting interest rates moves

Westpac stays competitive for its two year fixed mortgage rate, but increases for other fixed terms lessen that advantage unless you look at four and five year fixed rates

Westpac stays competitive for its two year fixed mortgage rate, but increases for other fixed terms lessen that advantage unless you look at four and five year fixed rates

BNZ moves some key fixed rates up, closing the gap to its main rivals. In the background, all the pressure's on benchmark rates, both locally and internationally, are up

BNZ moves some key fixed rates up, closing the gap to its main rivals. In the background, all the pressure's on benchmark rates, both locally and internationally, are up

ASB increases home loan rates as wholesale interest rate rises bite, also raises term deposit rates but for few terms savers prefer

ASB increases home loan rates as wholesale interest rate rises bite, also raises term deposit rates but for few terms savers prefer

Rising inflation pressure underpins rising wholesale interest rates and then retail mortgage rate offers. That opens up opportunities to grab a lower fixed rate while they are temporarily available

Rising inflation pressure underpins rising wholesale interest rates and then retail mortgage rate offers. That opens up opportunities to grab a lower fixed rate while they are temporarily available

BNZ is the next to raise fixed home loan rates, but theirs are notable because they undercut the recent ANZ, Westpac and Kiwibank hiking levels

BNZ is the next to raise fixed home loan rates, but theirs are notable because they undercut the recent ANZ, Westpac and Kiwibank hiking levels

With wholesale swap rates jumping recently, do banks have a good case to raise mortgage rates? Are you being softened up by their finfluencer mortgage brokers to expect a hike? Is there a good case?

With wholesale swap rates jumping recently, do banks have a good case to raise mortgage rates? Are you being softened up by their finfluencer mortgage brokers to expect a hike? Is there a good case?

Kiwibank makes mortgage rate changes, staying competitive for one year fixed but they now have the highest carded rates for longer fixed terms. Its matching term deposit rate changes are for terms savers don't favour

Kiwibank makes mortgage rate changes, staying competitive for one year fixed but they now have the highest carded rates for longer fixed terms. Its matching term deposit rate changes are for terms savers don't favour

ANZ has raised their two year fixed mortgage rate by +20 bps, most others by +10 bps, resulting in the most expensive rate card in the home loan market at present

ANZ has raised their two year fixed mortgage rate by +20 bps, most others by +10 bps, resulting in the most expensive rate card in the home loan market at present