Daily mortgage newsletter for Monday, August 11, 2025

The Daily Mortgage Newsletter

News and analysis

Banks

Institution	Product	Variable floating	6 months	1 year	2 years	3 years	4 years	5 years
	Standard	6.49	5.74	5.39	5.49	5.69	5.79	5.79
	Standard	18 months = 5.39
	Special LVR under 80%		5.14	4.79	4.89	5.09
	Special LVR under 80%	18 months = 4.79
	Good Energy - Up to $80K					1.00
	Standard	6.44	5.29	4.89	4.95	5.09	5.49	5.59
	Standard	18 months = 4.89
	Better Homes Top Up					1.00
	TotalMoney	6.54
	Standard	6.44	5.09	4.79	4.89	4.99	5.39	5.59
	Standard	18 months = 4.79
	Green Home Loan top-ups					1.00
Bank of Baroda	Standard	7.49	5.69	5.39	5.29
Bank of China	Standard	7.99	6.08	5.78	5.88	5.95	6.35	6.35
	Standard	18 months = 5.78
	Special	6.09	5.08	4.78	4.88	4.95	5.35	5.35
	Special	18 months = 4.78
China Construction Bank	Non Standard	6.44	5.89	5.85	5.95	5.95
	Non Standard	18 months = 5.85
	Standard		5.15	4.85	4.95	4.95	5.99	5.99
	Standard	18 months = 4.85
Co-operative Bank	Standard	5.95	5.59	5.29	5.39	5.49	5.89	5.99
	Standard	18 months = 5.29
	Owner Occupied	5.95	5.09	4.79	4.89	4.99	5.39	5.49
	Owner Occupied	18 months = 4.79
	First Home Buyer Special			4.69
Heartland Bank	Residential	5.99		5.89
	Reverse Mortgage	8.64
	Village Access loan	9.34
ICBC	Special	6.50	5.15	4.85	4.95	5.05	5.35	5.39
	Special	18 months = 4.85
	Standard	6.35	5.99	5.69	5.79	5.95	6.39	6.59
	Special		5.09	4.79	4.89	5.15	5.59	5.79
	Offset Mortgage	6.35
Kookmin	Standard	7.75	6.35	5.85	5.85
	Residential	6.49	5.96	5.49	5.55	5.69	5.99	5.99
	Residential	18 months = 5.49
	Special		5.36	4.89	4.95	5.09	5.39	5.39
	Special	18 months = 4.89
	First Home Combo			4.29
	Construction lending for FHB	3.94
	Unwind reverse equity	8.64
	Standard	7.19	6.09	5.69	5.75	6.09	6.59	6.69
	Standard	18 months = 5.89
	Special LVR <80%	6.39	5.29	4.89	4.95	5.29	5.79	5.89
	Special LVR <80%	18 months = 5.09
	Standard	6.59	5.69	5.39	5.55	5.59	5.99	5.99
	Standard	18 months = 5.39
	Special LVR < 80%		5.09	4.79	4.95	4.99	5.39	5.39
	Special LVR < 80%	18 months = 4.79
	Greater Choices							0.00
	Choices Offset	6.59
	Choices Everyday	6.69

Building Societies

Institution	Product	Variable floating	6 months	1 year	2 years
Heretaunga Bldg Socy	Residential	7.25		5.90	5.80
Nelson Bldg Society	Residential	6.94	5.74	4.99	4.93
Wairarapa Bldg Society	Residential	6.75		5.09	4.95
	Residential	18 months = 5.09

Credit Unions

Institution	Product	Variable floating	6 months	1 year	2 years
First CU	Special	6.94		5.29	5.19
	Standard	6.94		5.79	5.49
Police CU	Standard	6.19	5.49	4.89	4.95
	Shared Ownership	6.19	5.89	5.59	5.59
UnityMoney	Special	6.64	5.55	4.99	4.99
	Special	18 months = 4.99
	Standard		6.35	5.79	5.79
	Standard	18 months = 5.79
	First Home Buyer Special			4.29

Crown Agencies

Institution	Product	Variable floating	6 months	1 year	2 years	3 years	4 years	5 years
Kainga Ora - HNZ	Residential	6.44		4.89	4.95	5.09		5.69

Other non-bank lenders

Institution	Product	Variable floating	6 months	1 year	2 years	3 years	4 years	5 years
Avanti Finance	Near Prime	7.15
Basecorp Finance	Standard, from	7.15
CFML Loans	Home Loans	6.70
	321 Loans	4.99
	Prime Loans	7.20
	Standard Loans	7.99
General Finance	Short term bridging 1st mortgages ....from		9.75	9.85	9.95	9.95
Liberty Financial	Residential <70% LVR	6.65		6.55	6.25	6.20
Paraloan	for people with physical disabilities....from					4.00
Pepper Money	Prime	6.54
	Near Prime	6.85
	Specialist	8.60
Resimac	Standard LVR < 80%	6.84		6.04	5.99	6.09	6.14	6.24
	Standard LVR < 90%	7.84		7.04	6.99	7.09	7.14	7.24
Simplicity	Member home loan	4.80
Welcome	Short-term first mortgages from:		6.95	6.95	7.25	7.75
Xceda Finance	Short-term & Bridge mortgage loans from		7.85	7.85	7.85

Insurance Companies

Institution	Product	Variable floating	6 months	1 year	2 years	3 years	4 years	5 years
AIA	Standard Go	6.54	5.29	4.89	4.95	5.09	5.49	5.69
	Standard Go	18 months = 4.89

Mortgage Trusts

Institution	Product	Variable floating
First Mortgage Trust	Standard - from	8.65
	Development - from	8.90
Midlands Mortgage Trust	Residential	8.60
	Commercial	8.85
	Rural	8.70