Brand

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 5.79 4.99 4.45 4.69 4.49 4.69 4.85 4.95 5.9
ANZ Special n/a n/a 3.95 4.19 3.99 4.19 n/a n/a n/a
ASB Bank 5.8 5.25 4.49 4.59 4.49 4.45 4.85 4.95 5.8
ASB Bank Special n/a 4.95 4.09 4.19 3.99 3.95 4.35 4.45 n/a
BNZ - Mortgage One 6.5 n/a n/a n/a n/a n/a n/a n/a 7.15
BNZ - Rapid Repay 5.95 n/a n/a n/a n/a n/a n/a n/a 6.74
BNZ - Special n/a n/a 4.05 n/a 3.99 3.95 n/a n/a n/a
BNZ - Std, FlyBuys 5.9 4.99 4.69 4.79 4.59 4.79 5.19 5.39 n/a
BNZ - TotalMoney 5.9 n/a n/a n/a n/a n/a n/a n/a n/a
Credit Union Baywide 6.15 5.6 5.2 5.3 5.25 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 4.7 n/a 4.85 n/a n/a n/a n/a
Housing NZ Corp 5.8 n/a 4.69 n/a 4.79 4.79 n/a 5.49 n/a
HSBC Premier 5.89 4.85 3.99 3.99 3.99 4.39 4.89 4.95 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 3.69 n/a 3.69 3.95 n/a n/a n/a
ICBC 5.79 4.85 3.99 4.19 3.99 4.49 4.95 4.99 5.79
Kiwibank - Capped n/a n/a n/a n/a n/a n/a n/a n/a n/a
Kiwibank - Offset 5.8 n/a n/a n/a n/a n/a n/a n/a n/a
Kiwibank Special n/a 4.99 4.05 n/a 3.99 4.09 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 6.1 n/a 5.1 n/a 5.45 n/a n/a n/a n/a
Resimac 5.3 n/a 4.86 n/a 4.46 4.69 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 5.89 5.25 4.85 5.15 5.05 5.49 5.89 6.09 5.65
SBS Bank Special n/a 4.99 4.05 4.25 3.99 4.49 4.99 5.09 n/a
Sovereign 5.9 5.25 4.49 4.59 4.49 4.45 4.85 4.95 6.35
Sovereign Special n/a 4.95 4.09 4.19 3.99 3.95 4.35 4.45 n/a
The Co-operative Bank - Owner Occ 5.75 3.99 3.99 4.09 4.15 4.35 4.59 4.69 5.75
The Co-operative Bank - Standard 5.75 4.49 4.49 4.59 4.65 4.85 5.09 5.19 5.75
TSB Bank 5.8 5.35 4.55 4.69 4.49 4.65 4.95 5.05 5.8
TSB Special n/a 4.85 4.05 4.19 3.99 4.15 4.45 4.55 n/a
Wairarapa Building Society 5.7 n/a 4.85 n/a 4.99 n/a n/a n/a n/a
Westpac 5.95 4.99 4.69 4.79 4.79 5.19 5.29 5.49 5.95
Westpac - Offset 5.95 n/a n/a n/a n/a n/a n/a n/a n/a
Westpac Special n/a n/a 4.05 n/a 3.99 3.95 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.

Google rating 3d550da73015d4619d871361ff35a16af6f9290008b572d3db617236fd96fcb5 +
Rob Lake , 2019-03-03

Was a very easy process to review the options and to choose the best for us. The subsequent registration process and transferring to the providers questions and signing up was also made easy. Thank you for setting up the functionality.

Trish Thompson , 2019-03-11

Managed to score an awesome Electricity and Broadband deal through this site! Loved how easy and accessible things were without having to compare sites separately for our needs! Will totally recommend to others! Thanks Glimp, keep up the good work!

Victoria Mills , 2019-01-14

Such a user-friendly website! Provided the best deals for both broadband and power companies specific for each customer. Uncomplicated sign up process, completed in under 10 minutes! Very effortless and assistance is available if required. I highly recommend to all who desire a quick and simple switch or sign up!

Eugene Lombard , 2019-04-05

As easy as 1 2 3. No need to contact individual service providers. All options are just one click away to make your choice.

Andrew Connolly , 2019-03-15

Great idea and easy to follow but turns out the supplier I chose can't supply electricity in my area. Would be good to know this at the get go so I don't waste my time.