Latest Mortgage Rates
| Mortgage Lender | Floating | 6 mth | 1 year | 18 mth | 2 years | 3 years | 4 years | 5 years | RC |
|---|---|---|---|---|---|---|---|---|---|
| AIA - Back My Build | 4.94 | - | - | - | - | - | - | - | - |
| AIA - Go Home Loans | 7.49 | 6.19 | 5.79 | 5.59 | 5.49 | 5.59 | 5.79 | 5.79 | - |
| ANZ | 7.39 | ▼6.59 | ▼6.17 | ▼5.99 | ▼6.04 | 6.19 | 6.19 | 6.19 | - |
| ANZ Blueprint to Build | 7.39 | - | - | - | - | - | - | - | - |
| ANZ Good Energy | - | - | - | - | - | 1.00 | - | - | - |
| ANZ Special | - | ▼5.99 | ▼5.57 | ▼5.39 | ▼5.44 | 5.59 | - | - | - |
| ASB Bank | 7.39 | ▼5.99 | ▼5.59 | ▼5.39 | 5.49 | 5.59 | 5.79 | 5.79 | - |
| ASB Better Homes Top Up | - | - | - | - | - | 1.00 | - | - | - |
| Avanti Finance | 7.90 | - | - | - | - | - | - | - | - |
| Basecorp Finance | 8.35 | - | - | - | - | - | - | - | - |
| BNZ - Classic | - | 6.49 | 5.99 | 5.89 | 5.69 | 5.69 | 5.59 | 5.59 | - |
| BNZ - Mortgage One | 7.54 | - | - | - | - | - | - | - | - |
| BNZ - Rapid Repay | 7.54 | - | - | - | - | - | - | - | - |
| BNZ - Std | 7.44 | 5.99 | ▼5.59 | ▼5.39 | ▼5.29 | 5.69 | 5.79 | 5.89 | - |
| BNZ - TotalMoney | 7.54 | - | - | - | - | - | - | - | - |
| CFML 321 Loans | 5.80 | - | - | - | - | - | - | - | - |
| CFML Home Loans | 6.25 | - | - | - | - | - | - | - | - |
| CFML Prime Loans | 7.85 | - | - | - | - | - | - | - | - |
| CFML Standard Loans | 8.80 | - | - | - | - | - | - | - | - |
| China Construction Bank | - | 7.19 | 7.09 | 6.89 | 6.75 | 6.49 | 6.40 | 6.40 | - |
| China Construction Bank Special | - | - | - | - | - | - | - | - | - |
| Co-operative Bank - First Home Special | - | - | 5.69 | - | - | - | - | - | - |
| Co-operative Bank - Owner Occ | 6.95 | ▼5.99 | 5.79 | 5.69 | 5.59 | 5.69 | ▲5.79 | ▲5.89 | 6.95 |
| Co-operative Bank - Standard | 6.95 | ▼6.49 | 6.29 | 6.19 | 6.09 | 6.19 | ▲6.29 | ▲6.39 | 6.95 |
| Credit Union Auckland | 7.70 | - | - | - | - | - | - | - | - |
| Mortgage Lender | Floating | 6 mth | 1 year | 18 mth | 2 years | 3 years | 4 years | 5 years | RC |
| First Credit Union Special | - | - | 5.99 | - | 5.89 | - | - | - | - |
| First Credit Union Standard | 7.69 | - | 6.69 | - | 6.39 | - | - | - | - |
| Heartland Bank - Online | 6.99 | - | 5.49 | 5.39 | 5.39 | 5.45 | - | - | 6.99 |
| Heartland Bank - Reverse Mortgage | - | - | - | - | - | - | - | - | - |
| Heretaunga Building Society | 8.15 | - | 6.50 | - | 6.30 | - | - | - | - |
| ICBC | 6.95 | 5.99 | 5.79 | 5.59 | 5.59 | 5.59 | 5.59 | 5.59 | - |
| Kainga Ora | 7.39 | - | 5.79 | - | 5.59 | 5.69 | - | 5.89 | - |
| Kainga Ora - First Home Buyer Special | - | - | - | - | - | - | - | - | - |
| Kiwibank | 7.25 | 7.05 | 6.69 | - | 6.49 | 6.49 | 6.59 | 6.69 | 7.30 |
| Kiwibank - Offset | 7.25 | - | - | - | - | - | - | - | - |
| Kiwibank Special | 7.25 | 6.15 | 5.79 | - | 5.59 | 5.69 | 5.79 | 5.89 | 7.30 |
| Liberty | 8.59 | - | 8.69 | - | 8.79 | 8.94 | - | - | - |
| Nelson Building Society | 7.94 | 6.64 | 5.75 | - | 5.99 | - | - | - | - |
| Pepper Money Advantage | 10.49 | - | - | - | - | - | - | - | - |
| Pepper Money Easy | 8.69 | - | - | - | - | - | - | - | - |
| Pepper Money Essential | 8.29 | - | - | - | - | - | - | - | - |
| SBS Bank | 7.49 | 7.35 | 6.95 | 6.49 | 6.29 | 6.29 | 6.29 | 6.29 | - |
| SBS Bank Special | - | 6.24 | 5.89 | 5.59 | 5.49 | 5.69 | 5.69 | 5.69 | - |
| SBS Construction lending for FHB | - | - | - | - | - | - | - | - | - |
| SBS FirstHome Combo | 4.94 | - | 4.89 | - | - | - | - | - | - |
| SBS FirstHome Combo | - | - | - | - | - | - | - | - | - |
| SBS Unwind reverse equity | 9.39 | - | - | - | - | - | - | - | - |
| TSB Bank | 8.19 | 6.99 | 6.49 | 6.59 | 6.39 | 6.39 | 6.49 | 6.49 | - |
| TSB Special | 7.39 | 6.19 | 5.69 | 5.79 | 5.59 | 5.59 | 5.69 | 5.69 | 7.49 |
| Unity | 7.64 | 6.19 | 5.79 | 5.59 | 5.55 | - | - | - | - |
| Mortgage Lender | Floating | 6 mth | 1 year | 18 mth | 2 years | 3 years | 4 years | 5 years | RC |
| Unity First Home Buyer special | - | - | 5.49 | - | - | - | - | - | - |
| Wairarapa Building Society | 7.70 | - | 5.95 | 5.85 | 5.75 | - | - | - | - |
| Westpac | 7.39 | ▼6.59 | 6.39 | 6.29 | 6.09 | 6.19 | 6.19 | 6.19 | - |
| Westpac Choices Everyday | 7.49 | - | - | - | - | - | - | - | - |
| Westpac Offset | 7.39 | - | - | - | - | - | - | - | - |
| Westpac Special | - | ▼5.99 | 5.79 | 5.69 | 5.49 | 5.59 | 5.59 | 5.59 | - |
| Median | 7.49 | 6.21 | 5.79 | 5.69 | 5.69 | 5.69 | 5.79 | 5.89 | 7.14 |
Last updated: 22 January 2025 8:36am
