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Mortgages
Mortgage Rates Daily Commentary
Thursday 19 February 2026  Add your comment
RBNZ predicts slower house price growth; ASB joins KO

RBNZ expects slower house price growth. [DETAILS HERE]

ASB latest lender to offer Kāinga Ora First Home Loan scheme. [READ ON]

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[MRadio] Listen to the latest home loan news

In Mortgage Rates Radio this week Philip Macalister talks about bank cash contributions to entie borrowers; the latest home loan rate changes and specials and the launch of a new real estate agent-linked group.

Monday, July 14th 2014, 8:11AM

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« How ANZ's new special stacks upReal estate firm adds finance arm »

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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 ▲8.64 ▲7.59 ▲7.09 ▲6.89
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 5.99 4.59 4.95 5.19

Last updated: 13 February 2026 3:23pm

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