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Mortgage Rates Daily Commentary
Monday 7 April 2025
Wild winds at the RBNZ: What's next for rates? The RBNZ is digging in its heels, holding the OCR steady despite growing market pressure to cut.
With inflation proving stubborn, rate cuts might still be a way off - no matter what the market is betting on. [READ MORE]
[MRadio] Listen to the latest home loan news
Philip Macalister introduces the latest additon to mortgagerates.co.nz - Mortgage Rates Radio. In this three minute audio clip Philip reviews recent home loan rate changes, this week's Official Cash Rate announcement, plans for an affordability test on borrowers and the latest news the mortgage advice world.
Tuesday, June 10th 2014, 10:26AM
You can listen to the broadcast using the controls below.
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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: 4 April 2025 8:01am Previous News
-
Thursday, September 28th, 9:00AM
RBNZ announces OCR decision
-
Tuesday, August 1st, 11:19AM
SBS eyes partnership with mortgage advisers
-
Thursday, June 22nd, 9:00AM
OCR held again - here's what RBNZ had to say
-
Thursday, May 11th, 10:26AM
Surprise at RBNZ’s OCR outlook
-
Thursday, May 11th, 9:00AM
No change to OCR: What RB said today
-
Monday, May 8th, 6:00AM
Focus on tone, not content, of OCR call this week
-
Tuesday, May 2nd, 11:10AM
ANZ half-year profit jumps
-
Monday, April 24th, 10:23AM
Local flavour makes for bank winners
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