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Mortgages

Mortgage Rates Daily Commentary
Thursday 3 April 2025  Add your comment
ComCom walks back three applications proposal

The Commerce Commission has walked back its requirement that mortgage advisers should be presenting three completed offers to clients.  [READ ON]

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Three offers recommendation lost in translation - ComCom

The Commerce Commission has stepped back its three completed lender offers proposal it wants mortgage advisers to adhere to.

Thursday, April 3rd, 9:39AM

The Commerce Commission has stepped back its three completed lender offers proposal it wants mortgage advisers to adhere to.

Commission deputy chairwoman Anne Callinan speaking at the Financial Advice New Zealand (FANZ) national adviser conference says the recommendation was qualified “where possible”.

She says it might have been lost in translation. “The commission...MORE»

Borrowers behind in mortgage payments ebbing

Thursday, April 3rd, 9:15AM

As the country crawls out of recession, mortgage arrears have dropped slightly.

MORE»

Solution could be in the wings

Tuesday, April 1st, 8:37AM  2 comments

After a “constructive meeting” with new Commerce and Consumers Affairs Minister Scott Simpson, FAMNZ country manager Leigh Hodgetts says he seems to understand the Commerce Commission’s insistence on mortgage advisers presenting three completed offers to borrowers will create chaos.

MORE»

 

Previous News

RBNZ does a u-turn on bank capital requirements

Tuesday, April 1st, 6:26AM

The Reserve Bank has bowed to pressure from the Commerce Commission, the banks and submitters to parliament’s banking inquiry and will conduct a review of its bank capital requirements.

MORE»

Interest rates expected to plateau soon

Monday, March 31st, 8:20AM

A switch has been flipped for mortgage borrowers with the two-year 4.99% interest rate the main banks are now offering.

MORE»

Why was Westpac slow in passing on OCR cut?

Friday, March 28th, 9:54AM

Westpac gave an apparently contradictory answer as to why it was so slow to pass on the Reserve Bank’s interest rate cut last month to parliament’s finance and expenditure committee’s banking inquiry.

MORE»

Mortgage borrowers switching to new lenders continues at a steady pace

Thursday, March 27th, 8:48AM

Switching to a new loan provider is still proving popular for mortgage borrowers.

MORE»

Aggregators putting the pressure on - NZFSG

Wednesday, March 26th, 9:31AM

The country’s biggest adviser network NZFSG says banks are acutely aware of pain points for advisers.

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 6.89 5.25 4.99 5.35
ANZ 6.89 5.89 5.59 5.89
ANZ Blueprint to Build 7.39 - - -
ANZ Good Energy - - - 1.00
ANZ Special - 5.29 4.99 5.29
ASB Bank 6.89 5.25 4.99 5.35
ASB Better Homes Top Up - - - 1.00
Avanti Finance 7.40 - - -
Basecorp Finance 7.85 - - -
BNZ - Classic - 5.99 5.69 5.69
Lender Flt 1yr 2yr 3yr
BNZ - Mortgage One 7.04 - - -
BNZ - Rapid Repay 7.04 - - -
BNZ - Std 6.94 5.55 5.29 5.59
BNZ - TotalMoney 7.04 - - -
CFML 321 Loans 5.25 - - -
CFML Home Loans 6.95 - - -
CFML Prime Loans 7.45 - - -
CFML Standard Loans 8.25 - - -
China Construction Bank - 7.09 6.75 6.49
China Construction Bank Special - - - -
Co-operative Bank - First Home Special - 5.09 - -
Lender Flt 1yr 2yr 3yr
Co-operative Bank - Owner Occ 6.45 5.19 5.19 5.49
Co-operative Bank - Standard 6.45 5.69 5.69 5.99
Credit Union Auckland 7.70 - - -
First Credit Union Special - 5.49 5.39 -
First Credit Union Standard 7.19 5.99 5.69 -
Heartland Bank - Online 6.49 5.89 - -
Heartland Bank - Reverse Mortgage - - - -
Heretaunga Building Society 7.65 6.00 5.80 -
ICBC 6.95 5.29 4.99 5.39
Kainga Ora 6.89 5.29 4.99 5.35
Kainga Ora - First Home Buyer Special - - - -
Lender Flt 1yr 2yr 3yr
Kiwibank 6.75 6.09 6.09 6.39
Kiwibank - Offset 6.75 - - -
Kiwibank Special 6.75 5.19 5.19 5.59
Liberty ▼7.15 ▼7.05 ▼6.75 ▼6.70
Nelson Building Society 7.44 5.24 5.24 -
Pepper Money Advantage 10.49 - - -
Pepper Money Easy 8.69 - - -
Pepper Money Essential 8.29 - - -
SBS Bank 6.99 5.99 5.89 5.95
SBS Bank Special - 5.39 5.29 5.35
SBS Construction lending for FHB - - - -
Lender Flt 1yr 2yr 3yr
SBS FirstHome Combo 4.44 4.39 - -
SBS FirstHome Combo - - - -
SBS Unwind reverse equity 8.89 - - -
TSB Bank 7.69 5.99 5.79 6.19
TSB Special 6.89 5.19 4.99 5.39
Unity 6.89 5.29 4.99 -
Unity First Home Buyer special - 4.69 - -
Wairarapa Building Society 7.20 5.49 5.29 -
Westpac 6.99 6.09 5.89 5.99
Westpac Choices Everyday 7.09 - - -
Westpac Offset 6.99 - - -
Lender Flt 1yr 2yr 3yr
Westpac Special - 5.49 5.29 5.39
Median 6.99 5.49 5.29 5.54

Last updated: 2 April 2025 9:12am

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