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
ASB and Bank Direct have shaved five points off their two-year fixed rates and 10 points off their three year rates bringing them down to 6.70% and 7.10% respectively. Sovereign has dropped its rates by the same amount.
The changes put ASB in line with the most its competitors, rather than leading rates lower.
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 2 September 2010 at 8:30pm
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 |
6.95 |
6.35 |
6.45 |
6.70 |
7.15 |
7.45 |
7.70 |
| ASB Bank |
6.25 |
6.35 |
6.45 |
6.70 |
7.10 |
7.45 |
7.75 |
| BNZ- Std, FlyBuys |
6.49 |
6.30 |
6.49 |
6.70 |
7.15 |
7.50 |
7.80 |
| National Bank |
6.24 |
6.35 |
6.45 |
6.69 |
7.10 |
7.45 |
7.70 |
| Westpac |
6.74 |
6.25 |
6.45 |
6.69 |
7.10 |
7.45 |
7.75 |
| |
| Other Lenders |
Floating |
Fixed 6 mth |
Fixed 1 yr |
Fixed 2 yr |
Fixed 3 yr |
Fixed 4 yr |
Fixed 5 yr |
|
|
|
|
|
|
|
|
| AMP Home Loans |
6.74 |
6.25 |
6.45 |
6.75 |
7.20 |
7.45 |
7.75 |
| AMP Home Loans $200k + |
6.64 |
6.15 |
6.35 |
6.65 |
7.10 |
7.35 |
7.65 |
| ANZ - Simple Variable |
6.20 |
|
|
|
|
|
|
| BankDirect |
6.25 |
6.35 |
6.45 |
6.70 |
7.10 |
|
7.75 |
| BNZ - Classic |
|
|
|
|
|
|
|
| BNZ - GlobalPlus |
6.49 |
6.40 |
6.59 |
6.80 |
7.25 |
7.60 |
7.90 |
| BNZ - Mortgage One |
6.90 |
|
|
|
|
|
|
| BNZ - Rapid Repay |
6.49 |
|
|
|
|
|
|
| BNZ - TotalMoney |
6.09 |
|
|
|
|
|
|
| Cairns Lockie |
6.50 |
6.55 |
6.65 |
6.90 |
7.35 |
7.65 |
7.90 |
| CBS Canterbury |
6.25 |
6.45 |
6.55 |
6.99 |
7.45 |
|
7.95 |
| Credit Union Auckland |
6.70 |
|
|
|
|
|
|
| Credit Union Baywide |
6.35 |
6.50 |
6.60 |
6.90 |
7.35 |
|
|
| Credit Union North |
6.30 |
|
6.45 |
6.75 |
7.30 |
|
|
| Credit Union South |
6.00 |
|
|
|
|
|
|
| eMortgage |
6.50 |
6.55 |
6.65 |
6.90 |
7.35 |
7.65 |
7.90 |
| Fidelity Life |
6.00 |
|
6.35 |
6.90 |
|
|
|
| Finance Direct |
5.95 |
6.10 |
6.45 |
6.99 |
7.25 |
7.55 |
7.75 |
| First Credit Union |
6.45 |
|
|
|
|
|
|
| General Finance |
6.50 |
6.55 |
6.65 |
6.90 |
7.35 |
7.65 |
7.90 |
| Global Home Loans |
7.99 |
|
|
|
|
|
|
| HBS |
6.25 |
6.35 |
6.50 |
6.85 |
7.80 |
|
8.50 |
| Heretaunga Building Society |
6.50 |
|
6.45 |
6.85 |
|
|
|
| Housing Corp |
6.00 |
|
6.45 |
6.95 |
7.25 |
|
7.75 |
| HSBC Premier |
6.49 |
4.99 |
5.99 |
6.74 |
7.09 |
7.30 |
7.65 |
| Kiwibank |
6.15 |
6.35 |
6.45 |
6.69 |
7.19 |
7.45 |
7.75 |
| Kiwibank - Capped Variable |
6.50 |
|
|
|
|
|
|
| Napier Building Society |
6.00 |
|
6.50 |
7.00 |
|
|
|
| Nelson Building Society |
6.95 |
|
6.80 |
7.30 |
|
|
|
| NZ Home Loans |
6.35 |
6.50 |
6.60 |
6.85 |
7.25 |
|
7.90 |
| NZF |
7.20 |
6.35 |
6.60 |
7.10 |
7.40 |
7.65 |
7.90 |
| NZF (LVR >80%) |
7.45 |
6.60 |
6.85 |
7.35 |
7.65 |
7.90 |
8.15 |
| Perpetual Trust |
7.70 |
|
|
|
|
|
|
| PSIS |
6.20 |
6.30 |
6.45 |
6.70 |
7.15 |
7.45 |
|
| Public Trust |
5.99 |
6.10 |
6.19 |
6.55 |
6.95 |
7.25 |
7.55 |
| SBS Bank |
6.15 |
6.30 |
6.45 |
6.70 |
7.20 |
|
7.60 |
| Silver Fern |
6.35 |
6.50 |
6.50 |
7.25 |
7.55 |
7.75 |
7.95 |
| Southern Cross |
6.95 |
6.15 |
6.40 |
6.65 |
7.15 |
|
|
| Sovereign |
6.35 |
6.50 |
6.60 |
6.85 |
7.25 |
7.60 |
7.90 |
| TSB Bank |
6.29 |
6.35 |
6.45 |
6.68 |
7.20 |
7.45 |
7.75 |
| Wairarapa Building Society |
6.70 |
|
6.45 |
7.20 |
|
|
|
| Westpac - Capped rates |
|
|
6.95 |
|
|
|
|
| Westpac - Choices Everyday |
6.10 |
|
|
|
|
|
|
|
