Latest Mortgage Rates

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Mortgage Lender Floating 6 mth 1 year 18 mth 2 years 3 years 4 years 5 years RC
AIA 4.60 4.19 3.65 4.09 4.15 4.69 4.95 5.19 6.35
ANZ 4.79 4.60 4.25 4.75 4.95 5.35 5.65 5.85 4.55
ANZ Blueprint to Build 2.03 - - - - - - - -
ANZ Special - 4.00 3.65 4.15 4.35 4.75 - - -
ASB Back My Build 2.29 - - - - - - - -
ASB Bank 4.60 4.19 3.65 4.09 4.15 4.69 4.95 5.19 4.70
Avanti Finance 4.55 - - - - - - - -
Basecorp Finance 5.49 - - - - - - - -
Bluestone 4.09 - 4.29 - 4.86 5.09 5.19 5.20 -
BNZ - Classic - 3.99 3.65 4.09 4.35 4.69 4.89 4.99 -
BNZ - Mortgage One 5.15 - - - - - - - 7.15
BNZ - Rapid Repay 4.95 - - - - - - - 6.74
BNZ - Std, FlyBuys 4.95 4.59 4.25 4.69 4.95 5.29 5.49 5.59 -
BNZ - TotalMoney 4.95 - - - - - - - -
CFML Loans 5.35 - - - - - - - -
China Construction Bank 4.49 4.70 4.70 - 4.80 4.95 4.95 4.95 -
China Construction Bank Special - - 2.65 2.65 2.65 2.80 2.89 2.99 -
Credit Union Auckland 5.95 - - - - - - - -
First Credit Union Special 5.85 - 3.59 - 4.09 - - - -
Heartland Bank - Online 2.25 - 1.85 - 2.35 2.65 - - 2.55
Heretaunga Building Society 5.25 - 4.25 - 4.75 - - - -
HSBC Premier 4.49 2.79 2.19 2.19 2.45 2.69 2.99 3.19 5.44
HSBC Premier LVR > 80% - - - - - - - - -
HSBC Special - - 2.25 2.25 - - - - -
ICBC 4.25 3.65 3.49 3.85 4.05 4.55 4.75 4.95 4.25
Mortgage Lender Floating 6 mth 1 year 18 mth 2 years 3 years 4 years 5 years RC
Kainga Ora 4.60 - 4.03 - 4.68 5.07 - 5.42 -
Kainga Ora - First Home Buyer Special - - 2.25 - - - - - -
4.25 5.04 4.54 - 5.20 5.54 5.84 6.00 4.30
Kiwibank - Offset 4.25 - - - - - - - -
Kiwibank Special 4.25 4.19 3.69 - 4.35 4.69 4.99 5.15 4.30
Liberty 4.84 - - - - - - - -
Nelson Building Society 4.95 - 4.29 - 4.85 - - - -
4.79 - - - - - - - -
Resimac 3.39 - 3.54 - 3.89 4.09 4.19 4.29 -
SBS Bank 4.79 4.29 3.95 4.45 4.49 4.85 5.09 5.19 5.79
SBS Bank Special - 3.79 3.45 3.95 3.99 4.35 4.59 4.69 -
4.09 - 4.29 - 4.86 5.09 5.16 5.20 -
The Co-operative Bank - First Home Special - - 3.45 - - - - - -
The Co-operative Bank - Owner Occ 4.75 3.65 3.65 4.05 4.35 4.69 4.89 4.99 4.75
The Co-operative Bank - Standard 4.75 4.15 4.15 4.55 4.85 5.19 5.39 5.49 4.75
TSB Bank 5.34 4.09 4.09 4.44 4.74 4.99 5.34 5.50 5.34
TSB Special 4.54 3.29 3.29 3.64 3.94 4.19 4.54 4.70 4.54
Unity 5.65 4.30 4.15 4.20 4.60 - - - -
Wairarapa Building Society 4.99 - 4.05 4.25 4.50 - - - -
Westpac 5.09 4.79 4.29 4.69 4.95 5.29 5.39 5.55 4.69
Westpac - Offset 5.09 - - - - - - - -
Westpac Special - 4.19 3.69 4.09 4.35 4.69 4.79 4.95 -
Median 4.77 4.19 3.69 4.09 4.42 4.69 4.95 5.19 4.72

Last updated: 19 January 2022 12:41pm