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Last Article Uploaded: Tuesday, April 29th, 7:31PM

Mortgages

Mortgage Rates Daily Commentary
Tuesday 29 April 2025  Add your comment
Trump’s trade wars hit home for kiwi buyers

If you’ve logged into KiwiSaver and felt your heart sink, you’re not alone. We look at how market bumps are affecting deposits - and how buyers are finding ways to still get the keys. [READ MORE]

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Diminishing KiwiSaver balances tip up first home buyers

Mortgage brokers say they are hearing from many first-home buyers wondering what to do about the slump in their KiwiSaver balances caused by US President Donald Trump's tariff war.

Tuesday, April 29th, 8:34AM

Mortgage brokers say they are hearing from many first-home buyers wondering what to do about the slump in their KiwiSaver balances caused by US President Donald Trump's tariff war.

At the beginning of the month Trump declared a 10% baseline tax on imports across the board from April 5 plus enormous taxes on China and other countries deemed to be in a trade imbalance with the US.

It...MORE»

Mortgage lending demand rises for first time in four years

Monday, April 28th, 8:10AM

Mortgage demand has increased over the past six months for the first time since 2021.

MORE»

Sitting back and taking a calm attitude

Tuesday, April 22nd, 8:43AM

Westpac is sticking to its forecast of a 3.25% OCR bottom.

MORE»

 

Previous News

More OCR cuts on the cards later this year

Thursday, April 17th, 8:06AM

ANZ is adding two more OCR cuts to its economic forecast after next month’s expected drop to  3.25%.

MORE»

Big increase in home loans made by banks

Wednesday, April 16th, 8:48AM

Despite a recession, the number and value of home loans were up by 21% in the second half of last year, compared to the first half.

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The flow through of lower mortgage rates

Tuesday, April 15th, 9:07AM

Although carded one- and two-year fixed mortgage rates are now about 200 basis points (bp) below last year’s high the vast majority of lower mortgage rates have yet to flow though.

MORE»

Time for FMA to put an end to banks’ pathetic excuses over OCR delays

Monday, April 14th, 8:26AM

Lobby group the Banking Reform Coalition wants the FMA to use its powers under the new Conduct of Financial Institutions (CoFI) regime to get tough on banks not passing on OCR cuts in mortgage rates immediately.

MORE»

Mortgage adviser charged with dishonesty

Saturday, April 12th, 10:19AM

A mortgage adviser who allegedly submitted a false gifting certificate for a client’s home loan application has been charged by the FMA with dishonestly using a document.

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 ▲6.74 4.99 4.99 5.35
ANZ 6.69 5.59 5.59 5.89
ANZ Blueprint to Build 7.39 - - -
ANZ Good Energy - - - 1.00
ANZ Special - 4.99 4.99 5.29
ASB Bank 6.64 4.99 4.99 5.35
ASB Better Homes Top Up - - - 1.00
Avanti Finance 7.15 - - -
Basecorp Finance 7.50 - - -
BNZ - Classic - 5.99 5.69 5.69
Lender Flt 1yr 2yr 3yr
BNZ - Mortgage One 6.79 - - -
BNZ - Rapid Repay 6.79 - - -
BNZ - Std 6.69 5.55 5.29 5.59
BNZ - TotalMoney 6.79 - - -
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 - 4.89 - -
Lender Flt 1yr 2yr 3yr
Co-operative Bank - Owner Occ 6.20 4.99 ▼4.99 5.39
Co-operative Bank - Standard 6.20 5.49 ▼5.49 5.89
Credit Union Auckland 7.70 - - -
First Credit Union Special - 5.49 5.39 -
First Credit Union Standard 6.94 5.99 5.69 -
Heartland Bank - Online 6.25 5.89 - -
Heartland Bank - Reverse Mortgage - - - -
Heretaunga Building Society 7.65 6.00 5.80 -
ICBC 6.95 4.99 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 6.50 5.89 5.89 6.39
Kiwibank - Offset 6.50 - - -
Kiwibank Special 6.50 4.99 4.99 5.59
Liberty ▼6.90 ▼6.80 ▼6.50 ▼6.45
Nelson Building Society 7.19 5.24 ▼4.97 -
Pepper Money Advantage 10.49 - - -
Pepper Money Easy 8.69 - - -
Pepper Money Essential 8.29 - - -
SBS Bank 6.74 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 4.19 4.39 - -
SBS FirstHome Combo - - - -
SBS Unwind reverse equity 8.89 - - -
TSB Bank 7.44 ▼5.79 5.79 6.19
TSB Special 6.64 ▼4.99 4.99 5.39
Unity ▼6.64 5.29 4.99 -
Unity First Home Buyer special - 4.69 - -
Wairarapa Building Society ▼6.95 ▼5.29 4.99 -
Westpac 6.74 5.59 5.59 5.79
Westpac Choices Everyday ▲8.74 - - -
Westpac Offset 6.74 - - -
Lender Flt 1yr 2yr 3yr
Westpac Special - 4.99 4.99 5.19
Median 6.79 5.34 5.29 5.49

Last updated: 28 April 2025 10:45am

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