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Last Article Uploaded: Friday, April 18th, 3:50PM

Mortgages

Mortgage Rates Daily Commentary
Thursday 17 April 2025  Add your comment
ANZ to RBNZ: let’s cut a little deeper

The economic outlook is looking shakier than expected, and ANZ is adjusting its forecasts accordingly. With two additional cuts now in the mix, we could see the OCR drop further to 2.5% by year’s end. [READ MORE]

Some lenders are already responding, with new rate drops showing - most notably some 1-year and 18-month fixed rates now at 4.99% - see current rates here

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Latest Headlines

More OCR cuts on the cards later this year

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

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%.

The retail trading bank has pencilled in cuts in August and October taking the OCR down to a low of 2.5%. It’s previous forecast was a 3% trough.

In the fourth quarter of next year it is has placeholder OCR hikes taking it back up to a neutral level of 3%.

ANZ...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.

MORE»

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»

 

Previous News

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»

Moving forward to the past - rates have further to fall

Friday, April 11th, 8:57AM

Kiwibank says the economic environment simply demands more interest rate relief.

MORE»

Advisers to be educated on lending for businesses

Thursday, April 10th, 8:00AM

Newly minted HomeSec New Zealand manager Ziggy Munz is confident residential mortgage advisers will be able to add another arrow to their lending bow after an education programme he is planning.

MORE»

Banks slash floating lending and deposit rates after 25bp OCR cut

Wednesday, April 9th, 3:11PM

Banks began announcing cuts to their mortgage rates immediately after the Reserve Bank cut its official cash rate (OCR) to 3.5% from 3.75%, as most economists and market pricing had predicted.

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 6.64 ▼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 ▼5.09 ▼5.39
Co-operative Bank - Standard 6.20 ▼5.49 ▼5.59 ▼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 - ▲6.65 ▲6.59 ▲6.29
Liberty 7.15 7.05 6.75 6.70
Nelson Building Society ▼7.19 5.24 ▼4.99 -
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 5.99 5.79 6.19
TSB Special 6.64 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 ▼5.39 ▼4.99 -
Westpac 6.74 ▼5.59 ▼5.59 ▼5.79
Westpac Choices Everyday 6.84 - - -
Westpac Offset 6.74 - - -
Lender Flt 1yr 2yr 3yr
Westpac Special - ▼4.99 ▼4.99 ▼5.19
Median 6.87 5.44 5.34 5.49

Last updated: 17 April 2025 8:20am

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