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 5.49 5.09 5.19 5.25 5.49 5.49 5.49 6.00
ANZ Blueprint to Build ANZ Blueprint to Build 7.39 - - - - - - - -
ANZ Good Energy ANZ Good Energy - - - - - 1.00 - - -
ANZ Special ANZ Special - 4.89 4.49 4.65 4.65 4.89 - - -
ASB Bank ASB Bank 5.99 4.95 4.49 4.49 4.65 4.94 5.19 5.39 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 4.89 4.49 4.49 4.65 4.85 5.09 5.39 -
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 - - 4.39 - - - - - -
Co-operative Bank - Owner Occ Co-operative Bank - Owner Occ 5.70 5.09 4.49 4.79 4.89 4.99 5.39 5.49 5.70
Co-operative Bank - Standard Co-operative Bank - Standard 5.70 5.59 4.99 5.29 5.39 5.49 5.89 5.99 5.70
Credit Union Auckland Credit Union Auckland 7.70 - - - - - - - -
First Credit Union Special First Credit Union Special - - 4.95 - 4.95 - - - -
First Credit Union Standard First Credit Union Standard 6.94 - 5.55 - 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 6.15 5.75 5.39 - 5.59 5.79 6.19 6.39 6.20
Kiwibank - Offset Kiwibank - Offset 6.15 - - - - - - - -
Kiwibank Special Kiwibank Special 6.15 4.85 4.49 - 4.69 4.99 5.39 5.59 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 5.79 5.29 5.55 5.29 5.69 5.99 6.19 -
TSB Special TSB Special 5.94 4.99 4.49 4.75 4.49 4.89 5.19 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 5.59 5.09 5.09 5.09 5.45 5.59 5.59 -
Westpac Choices Everyday Westpac Choices Everyday 6.19 - - - - - - - -
Westpac Offset Westpac Offset 6.09 - - - - - - - -
Westpac Special Westpac Special - 4.99 4.49 4.49 4.49 4.85 4.99 4.99 -

Last updated: Wednesday, October 15th 2025 10:01 am