Mortgage Rates Commentary

[Your weekend TMM read] How much did this cost banks?

Saturday, January 31st 2026

This is mind blowing. The big banks went on a cash back spending spree to win business at the end of last year (started by ANZ). The latest numbers from the Reserve Bank are dizzying how much switching went on.

One has to aask questions around banks' behaviour to win business. Clearly cash speaks louder than advice.

Read the numbers here

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SBS FirstHome Combo	3.99
Unity First Home Buyer special	3.99
TSB Special	4.39
ICBC	4.39
Co-operative Bank - First Home Special	4.39
Unity Special	4.49
BNZ - Std	4.49
Co-operative Bank - Owner Occ	4.49
SBS Bank Special	4.49
Kiwibank Special	4.49
ANZ Special	4.59

ICBC	4.59
TSB Special	4.69
Wairarapa Building Society	4.79
Nelson Building Society	4.87
BNZ - Std	4.89
SBS Bank Special	4.89
Co-operative Bank - Owner Occ	4.89
Unity Special	4.89
Kiwibank Special	4.89
First Credit Union Special	4.95
AIA - Go Home Loans	4.95

ICBC	5.19
TSB Special	5.29
Westpac Special	5.59
ASB Bank	5.69
BNZ - Std	5.69
SBS Bank Special	5.69
Co-operative Bank - Owner Occ	5.69
Kainga Ora	5.69
AIA - Go Home Loans	5.69
Kiwibank Special	5.79
China Construction Bank	5.99

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	5.75
Unity Standard	5.79

Mortgage Rates Commentary

[Your weekend TMM read] How much did this cost banks?

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