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Last Article Uploaded: Monday, June 23rd, 6:54PM

Mortgages

Mortgage Rates Daily Commentary
Monday 23 June 2025  Add your comment
Borrowers collective interest rate bill expected to fall by $3 bill: ASB plays catch-up

About 70% of mortgages will reprice in the next 12 months and that is going to mean New Zealand’s collective mortgage payments will fall by about $3 billion, according to analysis by Macquarie Research.

Meanwhile, ASB has played catch up with interest rates, cutting for terms with the range of cuts being between six and 16 basis points. Here's how its biggest cut, to the six-month rate, stacks up.

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NZ mortgage payments to drop by $3b in the next year: Macquarie

About 70% of mortgages will reprice in the next 12 months and that is going to mean New Zealand’s collective mortgage payments will fall by about $3 billion, according to analysis by Macquarie Research.

Monday, June 23rd, 11:42AM

“While not a game changer, it is a notable positive for the NZ consumer and the broader macro outlook,” Macquarie said.

The research house said that after a trip here it thinks the New Zealand economic recovery “is clearly lagging expectations” and that the mantra has changed from “survive til 25” into “it’ll be fixed in 26.”

“While...MORE»

Advisers well positioned to fill SME lending gap left by banks

Saturday, June 21st, 2:49AM

Small businesses struggling to access capital as bank lending slows.

MORE»

Calls for hold on OCR strengthen as GDP comes in higher than expected

Thursday, June 19th, 12:17PM

Economists expect the OCR to be kept on hold at its meeting next month as GDP came in at 0.8% for the first quarter of the year – higher than most forecasters had predicted.

MORE»

 

Previous News

NZFSG teams up with Cotality

Wednesday, June 18th, 10:15AM

NZFSG and Cotality (formerly Core Logic) partner to empower mortgage advisers with industry-leading property data and insights.

MORE»

Rising inflation adding to RBNZ’s headache

Wednesday, June 18th, 9:00AM

Inflation is expected to break through the RBNZ’s top line of 3% in the next quarter, intensifying its headache.

MORE»

Professional mortgage advice central as wave of fintechs expected

Tuesday, June 17th, 8:55AM

Fintechs offering cheap mortgages without advice to borrowers won’t make mortgage advisers redundant.

MORE»

Townhouse values hit and miss as buyers prefer stand-alone houses

Friday, June 13th, 10:21AM

Easing mortgage rates mean more affordable stand-alone houses are appealing to home buyers again.

MORE»

Growth here, there, not quite everywhere

Thursday, June 12th, 8:54AM

Westpac has upgraded its GDP growth expectations from 0.4% to 0.7% meaning a strong case for the RBNZ to leave the OCR unchanged at its July review.

MORE»

MORE NEWS»

Mortgage Rates Table

Full Rates Table | Compare Rates

Lender Flt 1yr 2yr 3yr
AIA - Back My Build 4.44 - - -
AIA - Go Home Loans 6.54 ▼4.89 4.95 ▼5.09
ANZ 6.49 5.55 5.55 5.69
ANZ Blueprint to Build 7.39 - - -
ANZ Good Energy - - - 1.00
ANZ Special - 4.95 4.95 5.09
ASB Bank 6.44 ▼4.89 4.95 ▼5.09
ASB Better Homes Top Up - - - 1.00
Avanti Finance 7.15 - - -
Basecorp Finance 7.25 - - -
BNZ - Classic - 5.99 5.69 5.69
Lender Flt 1yr 2yr 3yr
BNZ - Mortgage One 6.54 - - -
BNZ - Rapid Repay 6.54 - - -
BNZ - Std 6.44 ▼4.89 4.95 5.09
BNZ - TotalMoney 6.54 - - -
CFML 321 Loans 4.99 - - -
CFML Home Loans 6.70 - - -
CFML Prime Loans 7.20 - - -
CFML Standard Loans 7.99 - - -
China Construction Bank 6.44 ▼4.85 ▼4.95 ▼4.95
China Construction Bank Special 6.44 ▼5.85 ▼5.95 ▼5.95
Co-operative Bank - First Home Special - 4.85 - -
Lender Flt 1yr 2yr 3yr
Co-operative Bank - Owner Occ 5.95 4.95 4.99 5.25
Co-operative Bank - Standard 5.95 5.45 5.49 5.75
Credit Union Auckland 7.70 - - -
First Credit Union Special - 5.29 5.19 -
First Credit Union Standard 6.94 5.79 5.49 -
Heartland Bank - Online 5.99 5.89 - -
Heartland Bank - Reverse Mortgage - - - -
Heretaunga Building Society 7.45 5.90 5.80 -
ICBC 6.50 4.85 4.95 5.05
Kainga Ora 6.44 4.99 4.99 5.35
Kainga Ora - First Home Buyer Special - - - -
Lender Flt 1yr 2yr 3yr
Kiwibank 6.35 5.79 5.85 6.09
Kiwibank - Offset 6.35 - - -
Kiwibank Special - 4.89 4.95 5.29
Liberty 6.90 6.80 6.50 6.45
Nelson Building Society 6.94 4.99 4.93 -
Pepper Money Advantage 10.65 - - -
Pepper Money Easy 8.16 - - -
Pepper Money Essential 7.40 - - -
SBS Bank 6.49 5.55 5.55 5.75
SBS Bank Special - 4.95 4.95 5.15
SBS Construction lending for FHB 3.94 - - -
Lender Flt 1yr 2yr 3yr
SBS FirstHome Combo - 4.29 - -
SBS FirstHome Combo - - - -
SBS Unwind reverse equity 8.89 - - -
TSB Bank 7.19 5.75 5.75 6.09
TSB Special 6.39 4.95 4.95 5.29
Unity First Home Buyer special - 4.29 - -
Unity Special 6.64 4.99 4.99 -
Unity Standard 6.64 5.79 5.79 -
Wairarapa Building Society 6.75 5.19 4.95 -
Westpac 6.59 5.49 5.55 5.59
Westpac Choices Everyday 6.69 - - -
Lender Flt 1yr 2yr 3yr
Westpac Offset 6.59 - - -
Westpac Special - 4.89 4.95 4.99
Median 6.59 4.99 4.99 5.29

Last updated: 23 June 2025 9:10am

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