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
We have had a raft of changes yesterday including cuts from Kiwibank and Westpac. Details here.
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These mortgage rates were last updated on 2 February 2012 at 3:27pm
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 |
5.74 |
5.65 |
5.70 |
5.79 |
6.45 |
6.85 |
7.25 |
| ASB Bank |
5.75 |
5.75 |
5.70 |
5.85 |
6.10 |
6.50 |
6.90 |
| BNZ- Std, FlyBuys |
5.99 |
5.75 |
5.85 |
5.89 |
6.45 |
6.85 |
7.25 |
| National Bank |
5.74 |
5.65 |
5.70 |
5.79 |
6.45 |
6.85 |
7.25 |
 |
6.24 |
5.59 |
5.59 |
5.79 |
6.45 |
6.85 |
7.25 |
| |
| Other Lenders |
Floating |
Fixed 6 mth |
Fixed 1 yr |
Fixed 2 yr |
Fixed 3 yr |
Fixed 4 yr |
Fixed 5 yr |
|
|
|
|
|
|
|
|
| AMP Home Loans |
6.24 |
5.59 |
5.59 |
5.89 |
6.45 |
6.85 |
7.25 |
| AMP Home Loans $200k + |
6.14 |
5.49 |
5.49 |
5.79 |
6.35 |
6.75 |
7.15 |
| BankDirect |
5.75 |
5.75 |
5.70 |
5.85 |
6.10 |
6.50 |
6.90 |
| BNZ - Classic |
|
|
5.75 |
|
|
|
|
| BNZ - GlobalPlus |
5.99 |
5.75 |
5.85 |
5.89 |
6.45 |
6.85 |
7.25 |
| BNZ - Mortgage One |
6.40 |
|
|
|
|
|
|
| BNZ - Rapid Repay |
5.99 |
|
|
|
|
|
|
| BNZ - TotalMoney |
5.74 |
|
|
|
|
|
|
| CBS Canterbury |
5.95 |
6.15 |
6.25 |
6.50 |
7.10 |
|
7.80 |
| Credit Union Auckland |
6.20 |
|
|
|
|
|
|
| Credit Union Baywide |
5.85 |
5.85 |
6.15 |
6.65 |
6.95 |
|
|
| Credit Union North |
5.80 |
|
5.80 |
5.95 |
6.50 |
|
|
| Credit Union South |
5.75 |
|
|
|
|
|
|
 |
6.04 |
6.55 |
6.15 |
6.69 |
7.19 |
7.65 |
7.90 |
| Fidelity Life |
6.00 |
|
6.35 |
6.90 |
|
|
|
| Finance Direct |
6.10 |
6.25 |
6.45 |
6.69 |
7.10 |
7.45 |
7.70 |
| First Credit Union |
6.45 |
|
|
|
|
|
|
| General Finance |
5.95 |
6.55 |
6.25 |
6.50 |
7.10 |
7.65 |
7.90 |
| HBS Bank |
5.65 |
5.65 |
5.70 |
5.89 |
6.45 |
|
7.25 |
| Heretaunga Building Society |
5.75 |
|
5.80 |
6.00 |
|
|
|
| Housing NZ Corp |
5.75 |
|
5.65 |
5.89 |
6.30 |
|
7.10 |
 |
5.99 |
5.49 |
5.65 |
5.87 |
6.40 |
6.80 |
7.20 |
 |
5.65 |
5.65 |
5.65 |
5.79 |
6.10 |
6.50 |
6.90 |
| Kiwibank - Capped |
5.65 |
5.65 |
6.25 |
|
|
|
|
| Kiwibank - Offset |
5.50 |
|
|
|
|
|
|
| Liberty |
5.75 |
|
|
|
|
|
|
| Manchester Unity |
6.15 |
|
5.85 |
5.95 |
6.25 |
|
|
| Napier Building Society |
5.80 |
|
6.00 |
6.70 |
|
|
|
| Nelson Building Society |
6.45 |
|
6.25 |
6.50 |
|
|
|
| NZ Home Loans |
5.85 |
5.75 |
5.70 |
5.85 |
6.10 |
|
6.90 |
| NZF (LVR >80%) |
6.10 |
6.10 |
6.15 |
7.15 |
7.60 |
|
|
| NZF Standard 70 |
5.85 |
5.90 |
5.95 |
6.30 |
7.20 |
|
|
| NZF Standard 80 |
5.85 |
5.90 |
5.95 |
6.90 |
7.35 |
|
|
| Perpetual Trust |
7.70 |
|
|
|
|
|
|
| Public Trust |
5.60 |
5.45 |
5.55 |
5.75 |
6.15 |
6.60 |
6.95 |
| SBS Bank |
5.65 |
5.65 |
5.70 |
5.89 |
6.45 |
|
7.25 |
| SBS Bank Special |
|
|
|
5.65 |
|
|
|
| Silver Fern |
5.95 |
6.00 |
6.10 |
6.55 |
7.05 |
7.50 |
7.80 |
 |
5.95 |
6.15 |
6.25 |
6.50 |
7.10 |
|
|
 |
5.85 |
5.75 |
5.70 |
5.85 |
6.10 |
6.50 |
6.90 |
| The Co-operative Bank |
5.70 |
5.70 |
5.70 |
5.85 |
6.15 |
6.45 |
|
| TSB Bank |
5.79 |
5.75 |
5.70 |
5.78 |
6.25 |
6.60 |
7.25 |
| TSB Bank Special |
|
|
|
5.95 |
|
|
|
| Wairarapa Building Society |
6.20 |
|
6.70 |
6.95 |
|
|
|
 |
|
|
6.75 |
|
|
|
|
 |
5.60 |
|
|
|
|
|
|
|
