Find the best home loan rate
The home loan section is useful if you are looking for the best home loan rate amongst the top banks and finance companies in New Zealand. Use the table below to view the latest rates offered from over 50 lenders.
Mortgage Rates Daily Commentary
There are no mortgage rate changes to advise of today, however in mortgagerates.co.nz news we talk to Kiwibank about why it changed its floating rate yesterday to the second lowest at 5.65%.
In Expert views we find that most economists are now pricing an Official Cash Rate hike in June after last week’s unemployment figures which were unexpectedly high and in the spotlight today is John Key’s first major speech of the year at the opening of Parliament, where he will outline his economic plans for the year and changes to the tax system.
You can also receive regular mortgage commentary and rates by subscribing up to the Good Returns free daily email newsletter.
These mortgage rates were last updated on 9 February 2010 at 9:38am
For a full sortable mortgage rates table please visit www.goodreturns.co.nz
| Major Banks |
Floating |
Fixed 6 mth |
Fixed 1 yr |
Fixed 2 yr |
Fixed 3 yr |
Fixed 4 yr |
Fixed 5 yr |
| ANZ |
5.69 |
5.99 |
6.20 |
7.25 |
7.99 |
8.50 |
8.65 |
| ASB Bank |
5.75 |
6.00 |
6.55 |
7.55 |
8.10 |
8.50 |
8.75 |
| BNZ- Std, FlyBuys |
5.99 |
5.75 |
6.25 |
7.20 |
7.95 |
8.50 |
8.75 |
| National Bank |
5.75 |
5.70 |
6.15 |
7.20 |
7.95 |
8.50 |
8.60 |
| Westpac |
6.29 |
5.69 |
6.29 |
7.20 |
7.79 |
8.49 |
8.69 |
| |
| Other Lenders |
Floating |
Fixed 6 mth |
Fixed 1 yr |
Fixed 2 yr |
Fixed 3 yr |
Fixed 4 yr |
Fixed 5 yr |
|
|
|
|
|
|
|
|
| AMP Home Loans |
6.29 |
5.75 |
6.25 |
7.20 |
7.99 |
8.50 |
8.75 |
| AMP Home Loans $200k + |
6.19 |
5.65 |
6.15 |
7.10 |
7.89 |
8.40 |
8.65 |
| BankDirect |
5.75 |
6.00 |
6.55 |
7.55 |
8.10 |
|
8.75 |
| BNZ - Classic (T&C apply) |
|
|
|
|
|
|
|
| BNZ - GlobalPlus |
5.99 |
5.85 |
6.35 |
7.30 |
8.05 |
8.60 |
8.85 |
| BNZ - Mortgage One |
6.40 |
|
|
|
|
|
|
| BNZ - Rapid Repay |
5.99 |
|
|
|
|
|
|
| BNZ - TotalMoney |
5.59 |
|
|
|
|
|
|
| Cairns Lockie |
6.75 |
6.19 |
6.40 |
7.45 |
8.19 |
8.70 |
8.85 |
| CBS Canterbury |
6.45 |
6.45 |
6.55 |
7.45 |
8.25 |
|
8.85 |
| Credit Union Baywide |
5.85 |
6.15 |
6.40 |
7.40 |
8.15 |
|
|
| Credit Union North |
6.25 |
|
6.35 |
7.30 |
8.10 |
|
|
| eMortgage |
6.75 |
6.19 |
6.40 |
7.45 |
8.19 |
8.70 |
8.85 |
| Fidelity Life |
6.35 |
|
5.90 |
7.05 |
|
|
|
| First Credit Union |
6.99 |
|
|
|
|
|
|
| General Finance |
6.75 |
6.19 |
6.40 |
7.45 |
8.19 |
8.70 |
8.85 |
| Global Home Loans |
7.99 |
|
|
|
|
|
|
| HBS |
6.49 |
5.85 |
6.25 |
7.20 |
7.99 |
8.50 |
8.75 |
| Housing Corp |
5.75 |
|
6.20 |
7.20 |
7.80 |
|
8.65 |
| HSBC Premier |
6.30 |
5.49 |
5.99 |
6.99 |
7.69 |
8.25 |
8.55 |
| Kiwibank |
5.65 |
5.75 |
6.25 |
7.20 |
7.79 |
8.49 |
8.69 |
| Moorhouse Mortgages |
9.95 |
8.75 |
8.75 |
9.20 |
9.75 |
|
|
| Napier Building Society |
6.00 |
|
6.00 |
6.50 |
|
|
|
| Nelson Building Society |
6.95 |
|
6.55 |
7.55 |
|
|
|
| No.8 Mortgages |
9.95 |
8.55 |
8.55 |
8.70 |
9.40 |
|
|
| NZ Home Loans |
5.85 |
6.15 |
6.70 |
7.70 |
8.25 |
|
8.90 |
| NZF |
6.95 |
6.25 |
6.65 |
7.65 |
8.25 |
8.65 |
8.90 |
| Perpetual Trust |
7.45 |
|
|
|
|
|
|
| PSIS |
5.95 |
5.70 |
6.15 |
7.15 |
7.80 |
8.35 |
|
| Public Trust |
6.20 |
5.70 |
5.90 |
7.20 |
7.90 |
8.50 |
8.60 |
| SBS Bank |
6.30 |
6.00 |
6.35 |
7.30 |
7.90 |
|
8.75 |
| Silver Fern |
5.85 |
6.00 |
6.50 |
7.50 |
8.20 |
8.50 |
8.75 |
| Southern Cross |
6.95 |
5.60 |
6.10 |
7.10 |
7.80 |
|
|
| Sovereign |
5.85 |
6.15 |
6.70 |
7.70 |
8.25 |
8.65 |
8.90 |
| TSB Bank |
6.39 |
5.75 |
6.20 |
7.15 |
7.80 |
8.50 |
8.65 |
| Wairarapa Building Society |
6.45 |
|
6.25 |
7.40 |
|
|
|
| Westpac - Capped rates |
|
|
6.55 |
|
|
|
|
|
