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Mortgages

Mortgage Rates Daily Commentary
Tuesday 17 February 2026  Add your comment
FAMNZ boss off; Breaking the aggregation model

The head of adviser association, FAMNZ, is hanging up his shingle leaving the New Zealand seven months after the country head resigned. Is there a future for the association in New Zealand? [READ ON]

The Adviser Platform (TAP) says it's time to change the aggregation model. [READ ON]

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How to get the best deal on a property

A new book explains how you can get the best deal on a real estate transaction - whether you're buying or selling.

Monday, September 16th 2002, 9:15PM
You may loathe real estate agents but when it comes to buying or selling a house they are essential in making sure you get the best deal on your property, according to author Andy Gilbert.

He reckons because we all use a real estate agent at some stage in our life it's important to know how to choose the right one and make sure the agent gets the best deal whether you are buying or selling.

Not surprisingly Gilbert frowns on the option of selling your property yourself. He says that less than 0.5% of all home sales are made privately, and that the process can be stressful and time consuming for the vendor. He says that 80% of private sales end up being put into the hands of real estate agents.

What's more he reckons that most people know the prices and comparison shop when it comes to buying a property.

While there are lots of books by authors such as Martin Hawes and Dolf de Roos that hype up property investment, Gilbert's is more a practical guide.

Order here or call Good Returns' bookstore on 0800-345675.

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Mortgage Rates Table

Full Rates Table | Compare Rates

Lender Flt 1yr 2yr 3yr
AIA - Back My Build 3.34 - - -
AIA - Go Home Loans 5.89 4.59 4.95 5.19
ANZ 5.79 5.09 5.49 5.79
ANZ Blueprint to Build 7.39 - - -
ANZ Good Energy - - - 1.00
ANZ Special - 4.49 4.69 5.19
ASB Bank 5.79 4.59 4.95 5.19
ASB Better Homes Top Up - - - 1.00
Avanti Finance - Near Prime 6.35 - - -
Avanti Finance - Specialised 7.55 - - -
Basecorp Finance 6.35 - - -
Lender Flt 1yr 2yr 3yr
BNZ - Mortgage One 5.94 - - -
BNZ - Rapid Repay 5.94 - - -
BNZ - Std 5.84 4.49 4.69 5.09
BNZ - TotalMoney 5.94 - - -
CFML 321 Loans 3.95 - - -
CFML Home Loans 6.05 - - -
CFML Prime Loans 6.25 - - -
CFML Standard Loans 6.95 - - -
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 - 4.39 - -
Lender Flt 1yr 2yr 3yr
Co-operative Bank - Owner Occ 4.99 4.49 ▲4.89 ▲5.19
Co-operative Bank - Standard 4.99 4.99 ▲5.39 ▲5.69
Credit Union Auckland 7.70 - - -
First Credit Union Special - 4.79 4.95 -
First Credit Union Standard 6.49 5.39 5.55 -
Heartland Bank - Online 5.30 5.89 - -
Heartland Bank - Reverse Mortgage 7.99 - - -
Heretaunga Building Society 7.45 5.90 5.80 -
ICBC 5.39 4.25 4.59 4.79
Kainga Ora 5.69 4.49 4.49 4.79
Kainga Ora - First Home Buyer Special - - - -
Lender Flt 1yr 2yr 3yr
Kiwibank 5.65 5.39 5.79 6.05
Kiwibank - Offset 5.65 - - -
Kiwibank Special 6.15 4.49 4.89 5.25
Liberty 6.65 6.55 6.22 6.20
Nelson Building Society ▲6.99 4.59 ▼4.67 -
Pepper Money Near Prime 6.55 - - -
Pepper Money Prime 5.99 - - -
Pepper Money Specialist 8.00 - - -
SBS Bank 5.84 5.09 ▲5.49 ▲5.75
SBS Bank Special - 4.49 ▲4.89 ▲5.15
SBS Construction lending for FHB 3.74 - - -
Lender Flt 1yr 2yr 3yr
SBS FirstHome Combo 3.29 3.99 - -
SBS FirstHome Combo - - - -
SBS Unwind reverse equity 7.99 - - -
TSB Bank 6.59 5.19 ▲5.69 ▲5.95
TSB Special 5.79 ▼4.39 ▲4.89 ▲5.15
Unity First Home Buyer special - 3.99 - -
Unity Special 5.79 4.49 4.69 -
Unity Standard 5.79 5.29 5.49 -
Wairarapa Building Society 6.15 4.59 4.79 -
Westpac 5.89 5.09 5.49 5.75
Westpac Choices Everyday 5.99 - - -
Lender Flt 1yr 2yr 3yr
Westpac Offset 5.89 - - -
Westpac Special - 4.49 4.89 5.15
Median 5.94 4.59 4.95 5.19

Last updated: 13 February 2026 3:23pm

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