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Compare Latest Mortgage Rates in New Zealand

Use this mortgage rate table to find the best rate for you.

Click here to compare the best mortgage rates
Mortgage Lender Floating 6 mths 1 year 18 mths 2 years 3 years 4 years 5 years RC
Mortgage Lender Floating 6 mths 1 year 18 mths 2 years 3 years 4 years 5 years RC
ANZ 5.19 4.79 4.19 4.49 4.25 4.49 4.75 4.85 5.8
ANZ Special n/a 4.29 3.69 3.99 3.75 3.99 n/a n/a n/a
ASB Bank 5.2 4.79 4.25 4.25 4.19 4.39 4.69 4.79 5.3
ASB Bank Special n/a 4.29 3.75 3.75 3.69 3.89 4.19 4.29 n/a
BNZ - Classic n/a n/a 3.69 n/a 3.75 3.99 4.35 4.45 n/a
BNZ - Mortgage One 5.9 n/a n/a n/a n/a n/a n/a n/a 7.15
BNZ - Rapid Repay 5.35 n/a n/a n/a n/a n/a n/a n/a 6.74
BNZ - Std, FlyBuys 5.3 4.79 4.45 4.55 4.35 4.55 4.95 5.15 n/a
BNZ - TotalMoney 5.3 n/a n/a n/a n/a n/a n/a n/a n/a
Credit Union Baywide 6.15 5.25 4.95 4.95 4.95 n/a n/a n/a n/a
Finance Direct n/a n/a n/a n/a n/a n/a n/a n/a n/a
First Credit Union 5.85 n/a n/a n/a n/a n/a n/a n/a n/a
glimp rate 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0
Heartland 6.7 6.9 7.0 n/a 7.25 7.85 n/a 8.55 6.7
Heartland Bank - Online n/a n/a n/a n/a n/a n/a n/a n/a n/a
Heretaunga Building Society 5.75 n/a 4.8 n/a 4.95 n/a n/a n/a n/a
Housing NZ Corp 5.19 n/a 4.29 n/a 4.29 4.49 n/a 4.89 n/a
HSBC Premier 5.89 4.85 3.79 3.79 3.79 3.89 4.19 4.29 6.09
HSBC Premier LVR > 80% n/a n/a n/a n/a n/a n/a n/a n/a n/a
HSBC Special n/a n/a n/a n/a n/a n/a n/a n/a n/a
ICBC 5.65 4.85 3.85 3.99 3.95 3.89 4.29 4.39 5.65
Kiwibank - Capped n/a n/a n/a n/a n/a n/a n/a n/a n/a
Kiwibank - Offset 5.15 n/a n/a n/a n/a n/a n/a n/a n/a
Kiwibank Special n/a 4.79 3.55 n/a 3.65 3.99 4.29 4.39 n/a
Liberty 5.69 n/a n/a n/a n/a n/a n/a n/a n/a
Nelson Building Society 5.7 n/a 4.69 n/a 4.79 n/a n/a n/a n/a
Resimac 5.3 n/a 4.86 n/a 4.14 4.19 4.99 5.09 n/a
RESIMAC Special n/a n/a n/a n/a n/a n/a n/a n/a n/a
SBS Bank 5.29 5.25 4.85 5.15 5.05 5.49 5.89 6.09 5.79
SBS Bank Special n/a 4.99 3.78 3.78 3.78 3.99 4.49 5.49 n/a
Sovereign 5.3 4.89 4.35 4.29 4.29 4.55 4.85 4.95 6.35
Sovereign Special n/a 4.49 3.85 3.89 3.75 4.05 4.35 4.45 n/a
The Co-operative Bank - Owner Occ 5.15 3.79 3.79 3.79 3.84 3.99 4.29 4.39 5.15
The Co-operative Bank - Standard 5.15 4.29 4.29 4.29 4.34 4.49 4.79 4.89 5.15
TSB Bank 6.09 5.35 4.65 4.69 4.59 4.85 5.25 5.35 6.09
TSB Special 5.29 4.55 3.85 3.89 3.79 4.05 4.45 4.55 5.29
Wairarapa Building Society 5.7 n/a 4.85 n/a 4.99 n/a n/a n/a n/a
Westpac 5.34 4.99 4.69 4.79 4.79 5.19 5.29 5.49 5.44
Westpac - Offset 5.34 n/a n/a n/a n/a n/a n/a n/a n/a
Westpac Special n/a n/a 3.69 n/a 3.75 3.99 4.35 4.45 n/a

We update this table regularly. It is intended as a brief guide to existing mortgage rates in New Zealand.

Terms explained

Floating rate: is the variable rate, as the interest rate fluctuates according to market conditions.

Fixed rate: is the interest rate that you have locked in for a set period of time on your mortgage.

Capped rate: is the maximum interest rate that will apply to a loan during its capped period.

glimp strives to ensure the information on its website is accurate and up to date, but it may exclude special offers from providers. The information is not an endorsement or advice. Before choosing a provider, you must satisfy yourself as to its suitability for your situation. Terms apply.

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