Latest Mortgage Rates

 
Mortgage Lender Floating 6 mth 1 year 18 mth 2 year 3 year 4 year 5 year RC
AIA - Back My Build AIA - Back My Build 4.44 - - - - - - - -
AIA - Go Home Loans AIA - Go Home Loans 6.29 4.95 4.49 4.49 4.65 4.94 5.19 5.39 -
ANZ ANZ 5.89 5.39 5.09 5.09 5.09 5.39 5.39 5.39 6.00
ANZ Blueprint to Build ANZ Blueprint to Build 7.39 - - - - - - - -
ANZ Good Energy ANZ Good Energy - - - - - 1.00 - - -
ANZ Special ANZ Special - 4.79 4.49 4.49 4.49 4.79 - - -
ASB Bank ASB Bank 5.99 4.85 4.49 4.45 4.49 4.79 5.09 5.15 6.09
ASB Better Homes Top Up ASB Better Homes Top Up - - - - - 1.00 - - -
Avanti Finance - Near Prime Avanti Finance - Near Prime 6.49 - - - - - - - -
Avanti Finance - Specialised Avanti Finance - Specialised 7.69 - - - - - - - -
BNZ - Classic BNZ - Classic - 6.49 5.99 5.89 5.69 5.69 5.59 5.59 -
BNZ - Mortgage One BNZ - Mortgage One 6.09 - - - - - - - -
BNZ - Rapid Repay BNZ - Rapid Repay 6.09 - - - - - - - -
BNZ - Std BNZ - Std 5.99 4.79 4.49 4.45 4.49 4.79 4.99 4.99 -
BNZ - TotalMoney BNZ - TotalMoney 6.09 - - - - - - - -
Basecorp Finance Basecorp Finance 6.55 - - - - - - - -
CFML 321 Loans CFML 321 Loans 4.25 - - - - - - - -
CFML Home Loans CFML Home Loans 6.25 - - - - - - - -
CFML Prime Loans CFML Prime Loans 6.45 - - - - - - - -
CFML Standard Loans CFML Standard Loans 7.25 - - - - - - - -
China Construction Bank China Construction Bank 6.44 5.15 4.85 4.85 4.95 4.95 5.99 5.99 -
China Construction Bank Special China Construction Bank Special 6.44 5.89 5.85 5.85 5.95 5.95 6.40 6.40 -
Co-operative Bank - First Home Special Co-operative Bank - First Home Special - - 4.35 - - - - - -
Co-operative Bank - Owner Occ Co-operative Bank - Owner Occ 5.30 4.79 4.45 4.49 4.49 4.79 4.99 5.19 5.30
Co-operative Bank - Standard Co-operative Bank - Standard 5.30 5.29 4.95 4.99 4.99 5.29 5.49 5.69 5.30
Credit Union Auckland Credit Union Auckland 7.70 - - - - - - - -
First Credit Union Special First Credit Union Special - - 4.79 - 4.95 - - - -
First Credit Union Standard First Credit Union Standard 6.49 - 5.39 - 5.55 - - - -
Heartland Bank - Online Heartland Bank - Online 5.45 - 5.89 - - - - - 5.45
Heartland Bank - Reverse Mortgage Heartland Bank - Reverse Mortgage 7.99 - - - - - - - -
Heretaunga Building Society Heretaunga Building Society 7.45 - 5.90 - 5.80 - - - -
ICBC ICBC 5.39 4.69 4.25 4.29 4.59 4.79 4.99 4.99 -
Kainga Ora Kainga Ora 6.29 - 4.75 - 4.75 4.99 - 5.49 -
Kainga Ora - First Home Buyer Special Kainga Ora - First Home Buyer Special - - - - - - - - -
Kiwibank Kiwibank 5.80 5.65 5.39 - 5.39 5.65 5.99 6.19 5.85
Kiwibank - Offset Kiwibank - Offset 5.80 - - - - - - - -
Kiwibank Special Kiwibank Special 6.15 4.75 4.49 - 4.49 4.85 5.19 5.39 6.20
Liberty Liberty 6.65 - 6.55 - 6.22 6.20 - - -
Nelson Building Society Nelson Building Society 6.59 5.09 4.59 - 4.69 - - - -
Pepper Money Near Prime Pepper Money Near Prime 6.55 - - - - - - - -
Pepper Money Prime Pepper Money Prime 5.99 - - - - - - - -
Pepper Money Specialist Pepper Money Specialist 8.00 - - - - - - - -
SBS Bank SBS Bank 6.29 5.59 5.09 5.09 5.25 5.45 5.59 5.59 -
SBS Bank Special SBS Bank Special - 4.99 4.49 4.49 4.65 4.85 4.99 4.99 -
SBS Construction lending for FHB SBS Construction lending for FHB 3.74 - - - - - - - -
SBS FirstHome Combo SBS FirstHome Combo - - 4.29 - - - - - -
SBS FirstHome Combo SBS FirstHome Combo - - - - - - - - -
SBS Unwind reverse equity SBS Unwind reverse equity 7.99 - - - - - - - -
TSB Bank TSB Bank 6.74 5.59 5.19 5.45 5.29 5.59 5.89 6.19 6.04
TSB Special TSB Special 5.94 4.79 4.39 4.65 4.49 4.79 5.09 5.39 6.04
Unity First Home Buyer special Unity First Home Buyer special - - 3.99 - - - - - -
Unity Special Unity Special 6.39 4.99 4.49 4.49 4.65 - - - -
Unity Standard Unity Standard 6.39 5.79 5.29 5.29 5.45 - - - -
Wairarapa Building Society Wairarapa Building Society 6.15 - 4.59 4.59 4.59 - - - -
Westpac Westpac 6.09 5.49 5.09 5.05 5.05 5.35 5.59 5.59 -
Westpac Choices Everyday Westpac Choices Everyday 6.19 - - - - - - - -
Westpac Offset Westpac Offset 6.09 - - - - - - - -
Westpac Special Westpac Special - 4.89 4.49 4.45 4.45 4.75 4.99 4.99 -

Last updated: Wednesday, October 29th 2025 10:29 am