ICBC Mortgage

ICBC Auckland offers residents and foreign investors an opportunity to get a property in New Zealand. However limited to citizens and permanent residents of NZ, foreign investors can still take out a personal home loan to pay off their mortgage on a Kiwi property exclusive for overseas investments. ICBC mortgage loans are likewise subject to criteria, including paying fees and deposit requirements, break costs, risk premiums and choosing your home loan term that every applicant must comply with in order to successfully enjoy their home loan.

To know more about ICBC Auckland, you can visit ICBC online for mortgage rates and home loan options. You can also head over to glimp and compare interest rates for free!

icbc mortgage rates nz

Why choose ICBC NZ?

ICBC serves over four million corporate customers worldwide making them a known and well-established financial firm that can provide innovative banking solutions and services to clients in New Zealand. This international reputation assures Kiwis of a secured and stable lending program especially in offering their personal home loan options.

Foreign services

As foreigners take interest in applying for a home loan, it becomes necessary to make agreements that are clear and unambiguous. ICBC Auckland offers Chinese foreign services to promote easier transactions between investors and the bank. By this, customers can be more comfortable in communicating about their mortgage, creating a productive environment for both parties.

ICBC Auckland Home Loan Types - Rates, Calculator


ICBC Fixed home loan gives you certainty in making repayments for the loan's agreed term and payment frequency, which can be paid weekly, fortnightly, monthly, or for periods from 6 months to 5 years. 

Here’s a table of fixed mortgage rates for a given period: 

  • 6 months 2.89% p.a.
  • 12 months 2.45% p.a.
  • 18 months 2.45% p.a.
  • 2 years 2.45% p.a.
  • 3 years 2.65% p.a.
  • 4 years 2.89% p.a.
  • 5 years 2.99% p.a.

*effective November 2020

Floating Rate

A floating home loan option can benefit those who have sufficient income to make faster repayments, depending on the circumstances. By choosing to pay at a variable rate, you're able to pay extra without penalty. Interest varies according to market changes — the higher the market rates, the higher your mortgage rate will be. The standard rate for a floating home loan starts at 3.69% p.a.