Compare Current Mortgage Rates in New Zealand
Side-by-side comparison of mortgage rates from every major NZ lender. Click any rate column to sort by that term.
Important: Rates are provided for comparison purposes only and may change at any time. Always confirm the latest rate directly with the lender before making a financial decision. Terms apply.
| Institution ↕ | Product | Variable floating ↕ | 6 months ↕ | 1 year ↕ | 18 months ↕ | 2 years ↕ | 3 years ↕ | 4 years ↕ | 5 years ↕ |
|---|---|---|---|---|---|---|---|---|---|
| ANZ | Flexible | 6.40% | — | — | — | — | — | — | — |
| ANZ | Good Energy - Up to $80K | — | — | — | — | — | 1.00% | — | — |
| ANZ | Reno loan - Up to $50K | — | — | — | — | — | 2.50% | — | — |
| ANZ | Special | — | 4.79% | 4.99% | 5.29% | 5.35% | 5.59% | — | — |
| ANZ | 6.29% | 5.39% | 5.59% | 5.89% | 5.95% | 6.19% | 6.39% | 6.49% | |
| ASB | Back My Build | 3.34% | — | — | — | — | — | — | — |
| ASB | Better Homes Top Up | — | — | — | — | — | 1.00% | — | — |
| ASB | Orbit | 6.39% | — | — | — | — | — | — | — |
| ASB | 6.29% | 4.79% | 4.99% | 5.29% | 5.35% | 5.59% | 5.65% | 5.75% | |
| Avanti Finance | Near Prime | 6.85% | — | — | — | — | — | — | — |
| Avanti Finance | Specialist | 8.00% | — | — | — | — | — | — | — |
| Bank of Baroda | 7.24% | 4.79% | 4.99% | 5.39% | 5.49% | 5.59% | — | — | |
| Bank of China | Plus Home Loan | 5.35% | — | — | — | — | — | — | — |
| Bank of China | Plus Offset Home Loan | 5.35% | — | — | — | — | — | — | — |
| Bank of China | Special | 5.35% | 4.58% | 4.68% | 4.83% | 5.08% | 5.18% | 5.48% | 5.68% |
| Bank of China | 7.25% | 5.58% | 5.68% | 5.83% | 6.08% | 6.18% | 6.48% | 6.68% | |
| Basecorp Finance | Long Term Mortgage Finance — Housing | — | — | — | — | — | — | — | — |
| Basecorp Finance | Long Term Mortgage Finance — Land | — | — | — | — | — | — | — | — |
| Basecorp Finance | Short Term Mortgage Finance | — | — | — | — | — | — | — | — |
| BNZ | Better Future Home Loan | — | — | — | — | — | 1.00% | — | — |
| BNZ | Mortgage One | 6.44% | — | — | — | — | — | — | — |
| BNZ | Rapid Repay | 6.44% | — | — | — | — | — | — | — |
| BNZ | 6.34% | 4.89% | 5.19% | 5.29% | 5.35% | 5.59% | 5.65% | 5.75% | |
| BNZ | TotalMoney | 6.44% | — | — | — | — | — | — | — |
| CFML Loans | 321 Loan | 4.20% | — | — | — | — | — | — | — |
| CFML Loans | Investor 10 | 7.50% | — | — | — | — | — | — | — |
| CFML Loans | Prime | 6.45% | — | — | — | — | — | — | — |
| CFML Loans | Prime 80 | 6.30% | — | — | — | — | — | — | — |
| CFML Loans | Specialist | 8.70% | — | — | — | — | — | — | — |
| CFML Loans | 7.20% | — | — | — | — | — | — | — | |
| China Construction Bank | Special | 5.35% | 4.35% | 4.49% | 4.64% | 4.79% | 5.05% | 5.10% | 5.20% |
| China Construction Bank | 5.35% | 5.35% | 5.49% | 5.64% | 5.79% | 6.05% | 6.10% | 6.20% | |
| Co-operative Bank | First Home Buyer Special | — | 4.79% | 5.09% | 5.25% | 5.39% | 5.59% | 5.79% | 5.89% |
| Co-operative Bank | Fresh Start | 7.69% | — | 7.19% | — | — | — | — | — |
| Co-operative Bank | Owner Occupied | 5.69% | 4.89% | 5.19% | 5.35% | 5.49% | 5.69% | 5.89% | 5.99% |
| Co-operative Bank | Owner Occupied Revolving Credit | 5.69% | — | — | — | — | — | — | — |
| Co-operative Bank | 5.69% | 5.39% | 5.69% | 5.85% | 5.99% | 6.19% | 6.39% | 6.49% | |
| Co-operative Bank | Standard Revolving Credit | 5.69% | — | — | — | — | — | — | — |
| First CU | Special | — | — | 5.29% | — | 5.79% | — | — | — |
| First CU | 6.64% | — | 5.89% | — | 6.39% | — | — | — | |
| First Mortgage Trust | Development - from | — | — | — | — | — | — | — | — |
| First Mortgage Trust | Standard - from | — | — | — | — | — | — | — | — |
| General Finance | Short term bridging 1st mortgages ....from | — | — | — | — | — | — | — | — |
| Heartland Bank | Residential | 6.35% | — | — | — | — | — | — | — |
| Heartland Bank | Reverse Mortgage | 8.25% | — | — | — | — | — | — | — |
| Heartland Bank | Revolving Credit | 6.35% | — | — | — | — | — | — | — |
| Heartland Bank | Village Access loan | 8.95% | — | — | — | — | — | — | — |
| Heretaunga Bldg Socy | Residential | 7.00% | — | 5.90% | — | 6.25% | — | — | — |
| ICBC | 5.39% | 4.55% | 4.65% | 4.85% | 4.99% | 5.25% | 5.45% | 5.65% | |
| Indi | 4.59% | — | — | — | — | — | — | — | |
| Kiwibank | Offset Mortgage | 6.25% | — | — | — | — | — | — | — |
| Kiwibank | Revolving | 6.30% | — | — | — | — | — | — | — |
| Kiwibank | Special | — | 4.85% | 5.15% | — | 5.39% | 5.59% | 5.79% | 5.89% |
| Kiwibank | 6.25% | 5.75% | 6.05% | — | 6.29% | 6.39% | 6.49% | 6.59% | |
| Liberty Financial | Boost Residential | 13.44% | — | — | — | — | — | — | — |
| Liberty Financial | Custom Nova (Low Documentation) | 7.89% | — | — | — | — | — | — | — |
| Liberty Financial | Custom Star (Full Documentation) | 6.89% | — | — | — | — | — | — | — |
| Liberty Financial | Prime Residential ≤70% LVR | 6.49% | — | 6.40% | — | 6.20% | 6.15% | — | — |
| Liberty Financial | Prime Residential ≤75% LVR | 6.59% | — | 6.49% | — | 6.29% | 6.24% | — | — |
| Liberty Financial | Prime Residential ≤80% LVR | 7.19% | — | 7.09% | — | 6.89% | 6.84% | — | — |
| Midlands Mortgage Trust | First Mortgage | 7.50% | — | — | — | — | — | — | — |
| Nelson Bldg Society | Flexi Loan | 7.49% | — | — | — | — | — | — | — |
| Nelson Bldg Society | Low equity | 6.99% | 5.79% | 5.79% | — | 6.09% | — | — | — |
| Nelson Bldg Society | Residential | 6.99% | 5.19% | 5.19% | — | 5.49% | — | — | — |
| Pepper Money | Near Prime | 6.45% | — | — | — | — | — | — | — |
| Pepper Money | Prime | 5.89% | — | — | — | — | — | — | — |
| Pepper Money | Specialist | 7.90% | — | — | — | — | — | — | — |
| Police CU | Reverse Mortgage | 7.25% | — | — | — | — | — | — | — |
| Police CU | Shared Ownership | 6.29% | 5.39% | 5.59% | 5.89% | 5.99% | — | — | — |
| Police CU | 6.29% | 4.79% | 4.99% | 5.29% | 5.39% | — | — | — | |
| SBS Bank | Advance | 8.24% | — | — | — | — | — | — | — |
| SBS Bank | Construction lending for FHB | 3.79% | — | — | — | — | — | — | — |
| SBS Bank | First Home Combo | — | — | 4.69% | — | — | — | — | — |
| SBS Bank | Residential | 6.34% | 5.45% | 5.79% | 5.89% | 5.89% | 6.19% | 6.25% | 6.35% |
| SBS Bank | Residential Investing | 6.84% | — | — | — | — | — | — | — |
| SBS Bank | Special | — | 4.85% | 5.19% | 5.29% | 5.29% | 5.59% | 5.65% | 5.75% |
| SBS Bank | Unwind reverse equity | 8.24% | — | — | — | — | — | — | — |
| Simplicity | Member home loan | 4.55% | — | — | — | — | — | — | — |
| TSB Bank | Revolving Credit | 6.39% | — | — | — | — | — | — | — |
| TSB Bank | Special | 6.29% | 4.89% | 5.19% | 5.45% | 5.39% | 5.69% | 5.89% | 5.99% |
| TSB Bank | 7.09% | 5.69% | 5.99% | 6.25% | 6.19% | 6.49% | 6.69% | 6.79% | |
| UnityMoney | First Home Buyer Special | — | — | 4.15% | — | — | — | — | — |
| UnityMoney | Special | 6.04% | 4.79% | 4.99% | 5.35% | 5.49% | — | — | — |
| UnityMoney | 6.04% | 5.59% | 5.79% | 6.15% | 6.29% | — | — | — | |
| Wairarapa Bldg Society | Residential Standard | 6.49% | — | 5.35% | 5.65% | 5.65% | 5.75% | — | — |
| Welcome | Short-term first mortgages from: | 6.75% | 6.85% | 6.95% | 6.95% | 7.25% | — | — | — |
| Westpac | Choices Everyday | 6.49% | — | — | — | — | — | — | — |
| Westpac | Choices Offset | 6.39% | — | — | — | — | — | — | — |
| Westpac | Greater Choices | — | — | — | — | — | — | — | 0.00% |
| Westpac | Special | — | 4.89% | 5.19% | 5.45% | 5.29% | 5.59% | 5.65% | 5.75% |
| Westpac | 6.39% | 5.49% | 5.79% | 6.05% | 5.89% | 6.19% | 6.25% | 6.35% | |
| Xceda Finance | Short term bridging | — | — | — | — | — | — | — | — |
| Xceda Finance | Vacant Land | — | — | — | — | — | — | — | — |
How to Use This Table
- Click any column header to sort by that term — click again to reverse.
- The lowest rate in each column is highlighted in teal.
- Special rates may require a deposit of 20% or more.
- Always check the fine print — some rates include conditions.
About the Data
- Coverage includes all major NZ banks and many non-bank lenders.
- Have a question or spot an error? Contact us.
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