Mortgage Rates Commentary

From mortgages to business loans, the wheels are finally turning

Monday, April 28th 2025

It’s taken a while, but we’re starting to see real signs of life in the lending world. Mortgage demand is climbing and lower interest rates are giving everyone a little more breathing room.

There are still a few bumps in the road and banks are staying cautious, especially when it comes to new builds and high-LVR loans. [READ MORE]

Leaving last year's stumbling housing market behind

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Leaving last year's stumbling housing market behind

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SBS FirstHome Combo	4.29
Unity First Home Buyer special	4.69
Co-operative Bank - First Home Special	4.89
ANZ Special	4.99
SBS Bank Special	4.99
ASB Bank	4.99
TSB Special	4.99
Kiwibank Special	4.99
Westpac Special	4.99
ICBC	4.99
AIA - Go Home Loans	4.99

Nelson Building Society	4.97
Kainga Ora	4.99
SBS Bank Special	4.99
Co-operative Bank - Owner Occ	4.99
Wairarapa Building Society	4.99
Unity	4.99
TSB Special	4.99
ANZ Special	4.99
ASB Bank	4.99
ICBC	4.99
Westpac Special	4.99

Westpac Special	5.39
ICBC	5.49
BNZ - Classic	5.59
Co-operative Bank - Owner Occ	5.69
ASB Bank	5.69
SBS Bank Special	5.69
AIA - Go Home Loans	5.69
BNZ - Std	5.79
Kainga Ora	5.79
TSB Special	5.89
Kiwibank Special	5.89

SBS FirstHome Combo	4.19
AIA - Back My Build	4.44
CFML 321 Loans	5.25
Co-operative Bank - Owner Occ	6.20
Co-operative Bank - Standard	6.20
Heartland Bank - Online	6.25
Kiwibank Special	6.50
Kiwibank - Offset	6.50
ICBC	6.50
Kiwibank	6.50
Unity	6.64

Mortgage Rates Commentary

From mortgages to business loans, the wheels are finally turning

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More Stories

Four decades of 6-7% yearly house price growth ending

[TMM Podcast] Yelsa serves up “marine reserve” of property buyers

Leaving last year's stumbling housing market behind

Don’t bet on house prices rising faster than incomes