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Last Article Uploaded: Wednesday, February 5th, 1:34PM

Mortgages

Mortgage Rates Daily Commentary
Monday 3 February 2025  Add your comment
Luxon’s Surprise Move: FEC Chair Stuart Smith Sacked

In a surprising move, Luxon has removed Stuart Smith as chair of the Finance and Expenditure Committee (FEC) without explanation. [READ MORE]

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Latest Headlines

Number of mortgage holders behind in payments up 1,100 in one month

Mortgage arrears are increasing – up 7% year on year in December, the latest Centrix data show.

Tuesday, February 4th, 1:57PM

Mortgage arrears are increasing – up 7% year on year in December, the latest Centrix data show.

The number of people behind on their mortgage repayments increased to 22,100, up 1,100 on November. During the month arrears rose 1.5% compared to 1.41% in November.

Financial hardship cases also rose significantly, up 19% year on year. Of the hardships, nearly half of these –...MORE»

Wave of mortgage inquiry for advisers

Tuesday, February 4th, 6:00AM

A surge in business for mortgage advisers in the first month of this year has come off the back of nearly 9,000 new property listings, the highest since January 2015.

MORE»

TSB demands much wider and braver changes to banking rules

Monday, February 3rd, 11:11AM  1 comment

TSB Bank is calling for changes to bank capital rules and other regulatory changes to create a level playing field for the smaller banks so they can better compete against the big four Australian-owned banks.

MORE»

 

Previous News

Luxon sacks FEC chair Stuart Smith without explanation

Sunday, February 2nd, 6:57PM

The chair of parliament's finance and expenditure committee (FEC) changed last week without any formal announcement or explanation, casting doubt on whether the government's intentions to make meaningful changes to the banking sector.

MORE»

Switching banks takes a huge chunk of mortgage money

Thursday, January 30th, 10:01AM

Nearly a quarter of all mortgages loaned in December went to borrowers switching banks – an increase of 94.8% over a year.

MORE»

RBNZ warns interest rates unlikely to return to pre-covid levels

Thursday, January 30th, 9:03AM

Reserve Bank chief economist Paul Conway has added his voice to those warning that interest rates, and therefore mortgage rates, aren't likely to return to pre-covid levels.

MORE»

The squeeze is set to ease

Wednesday, January 29th, 9:20AM

Borrowers will save on average between $300 and $460 a month on their mortgage repayments when the OCR drops to 3.25% by the middle of the year.

MORE»

Putting billions back in mortgage borrowers pockets

Tuesday, January 28th, 8:52AM

Over the past three years higher interest rates have translated in dollar terms to a $10 billion increase in mortgage borrowing costs.

MORE»

MORE NEWS»

Mortgage Rates Table

Full Rates Table | Compare Rates

Lender Flt 1yr 2yr 3yr
AIA - Back My Build 4.94 - - -
AIA - Go Home Loans 7.49 ▼5.54 ▼5.29 5.59
ANZ 7.39 6.17 6.04 6.19
ANZ Blueprint to Build 7.39 - - -
ANZ Good Energy - - - 1.00
ANZ Special - 5.57 5.44 5.59
ASB Bank 7.39 ▼5.54 ▼5.29 5.59
ASB Better Homes Top Up - - - 1.00
Avanti Finance 7.90 - - -
Basecorp Finance 8.35 - - -
BNZ - Classic - 5.99 5.69 5.69
Lender Flt 1yr 2yr 3yr
BNZ - Mortgage One 7.54 - - -
BNZ - Rapid Repay 7.54 - - -
BNZ - Std 7.44 ▼5.55 5.29 ▼5.59
BNZ - TotalMoney 7.54 - - -
CFML 321 Loans 5.80 - - -
CFML Home Loans 6.25 - - -
CFML Prime Loans 7.85 - - -
CFML Standard Loans 8.80 - - -
China Construction Bank - 7.09 6.75 6.49
China Construction Bank Special - - - -
Co-operative Bank - First Home Special - 5.49 - -
Lender Flt 1yr 2yr 3yr
Co-operative Bank - Owner Occ 6.95 5.59 5.49 5.69
Co-operative Bank - Standard 6.95 6.09 5.99 6.19
Credit Union Auckland 7.70 - - -
First Credit Union Special - ▼5.79 ▼5.69 -
First Credit Union Standard 7.69 ▼6.49 ▼6.19 -
Heartland Bank - Online 6.99 5.49 5.39 5.45
Heartland Bank - Reverse Mortgage - - - -
Heretaunga Building Society 8.15 6.50 6.30 -
ICBC 6.95 ▼5.55 5.59 5.59
Kainga Ora 7.39 5.79 5.59 5.69
Kainga Ora - First Home Buyer Special - - - -
Lender Flt 1yr 2yr 3yr
Kiwibank 7.25 6.45 ▼6.19 ▼6.39
Kiwibank - Offset 7.25 - - -
Kiwibank Special 7.25 5.55 ▼5.29 ▼5.59
Liberty 8.59 8.69 8.79 8.94
Nelson Building Society 7.94 5.55 5.84 -
Pepper Money Advantage 10.49 - - -
Pepper Money Easy 8.69 - - -
Pepper Money Essential 8.29 - - -
SBS Bank 7.49 6.95 6.29 6.29
SBS Bank Special - 5.89 5.49 5.69
SBS Construction lending for FHB - - - -
Lender Flt 1yr 2yr 3yr
SBS FirstHome Combo 4.94 4.89 - -
SBS FirstHome Combo - - - -
SBS Unwind reverse equity 9.39 - - -
TSB Bank 8.19 6.39 6.25 6.39
TSB Special 7.39 5.59 5.45 5.59
Unity 7.64 ▼5.59 ▼5.49 -
Unity First Home Buyer special - 5.49 - -
Wairarapa Building Society 7.70 5.95 5.75 -
Westpac 7.39 6.19 5.99 6.19
Westpac Choices Everyday 7.49 - - -
Westpac Offset 7.39 - - -
Lender Flt 1yr 2yr 3yr
Westpac Special - 5.59 5.39 5.59
Median 7.49 5.69 5.69 5.69

Last updated: 5 February 2025 9:36am

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