Mortgage Rates Commentary

Two stories that caught our eye this week

Saturday, December 13th 2025

This story caught our eye this week. It's about the FMA censuring a vertically integrated FAP which essentially sells people into new build investment properties. [READ ON]

Another interesting piece on TMM Online was our first take on new Reserve Bank governor Dr Anna Breman. One thing is sure and that is she is very different to the previous governor. See what we think here.

New rules for meth contaminated houses

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Unity First Home Buyer special	3.99
SBS FirstHome Combo	3.99
ICBC	4.25
Co-operative Bank - First Home Special	4.39
TSB Special	4.49
ANZ Special	4.49
ASB Bank	4.49
SBS Bank Special	4.49
Unity Special	4.49
Westpac Special	4.49
Kiwibank Special	4.49

TSB Special	4.00
Kainga Ora	4.49
Kiwibank Special	4.49
ICBC	4.59
Unity Special	4.65
ANZ Special	4.69
SBS Bank Special	4.69
Nelson Building Society	4.69
BNZ - Std	4.69
AIA - Go Home Loans	4.75
ASB Bank	4.75

ICBC	4.99
Kainga Ora	5.15
BNZ - Std	5.29
SBS Bank Special	5.29
Kiwibank Special	5.39
TSB Special	5.39
Westpac Special	5.49
Co-operative Bank - Owner Occ	5.49
BNZ - Classic	5.59
ASB Bank	5.69
AIA - Go Home Loans	5.69

SBS FirstHome Combo	3.29
AIA - Back My Build	3.34
SBS Construction lending for FHB	3.74
CFML 321 Loans	3.95
Co-operative Bank - Owner Occ	4.99
Co-operative Bank - Standard	4.99
Heartland Bank - Online	5.30
ICBC	5.39
Kiwibank - Offset	5.65
Kiwibank	5.65
Kainga Ora	5.69

Mortgage Rates Commentary

Two stories that caught our eye this week

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