PHOTO: New Zealand mortgage rates are way higher than Australia. FILE
| Mortgage Lender | Floating | 6 mth | 1 year | 18 mth | 2 year | 3 year | 4 year | 5 year | RC |
|---|---|---|---|---|---|---|---|---|---|
| AIA – Back My Build | 5.04 | – | – | – | – | – | – | – | – |
| AIA – Standard Go | 8.09 | 6.50 | 6.54 | 6.64 | 6.74 | 6.84 | 6.99 | 6.99 | – |
| ANZ | 7.99 | 7.20 | 7.14 | 7.24 | 7.34 | 7.44 | 7.54 | 7.64 | – |
| ANZ Blueprint to Build | 5.23 | – | – | – | – | – | – | – | – |
| ANZ Good Energy | – | – | – | – | – | 1.00 | – | – | – |
| ANZ Special | – | 6.60 | 6.54 | 6.54 | 6.74 | 6.84 | – | – | – |
| ASB Bank | 7.99 | 6.84 | 6.84 | 6.79 | 6.79 | 6.69 | 6.59 | 6.49 | 8.09 |
| ASB Better Homes Top Up | – | – | – | – | – | 1.00 | – | – | – |
| Avanti Finance | 8.15 | – | – | – | – | – | – | – | – |
| BNZ – Classic | – | 6.49 | 6.49 | 6.59 | 6.59 | 6.69 | 6.79 | 6.79 | – |
| BNZ – Green Home Loan top-ups | – | – | – | – | – | 1.00 | – | – | – |
| BNZ – Mortgage One | 7.74 | – | – | – | – | – | – | – | 7.74 |
| BNZ – Rapid Repay | 7.74 | – | – | – | – | – | – | – | 7.74 |
| BNZ – Std, FlyBuys | 7.74 | 7.09 | 7.09 | 7.19 | 7.19 | 7.29 | 7.39 | 7.39 | – |
| BNZ – TotalMoney | 7.74 | – | – | – | – | – | – | – | – |
| Basecorp Finance | 7.95 | – | – | – | – | – | – | – | – |
| Bluestone | 7.99 | – | – | – | – | – | – | – | – |
| CFML Loans | 8.49 | – | – | – | – | – | – | – | – |
| China Construction Bank | 7.99 | 6.60 | 6.54 | 6.64 | 6.74 | 6.84 | – | – | – |
| China Construction Bank Special | – | – | – | – | – | – | – | – | – |
| Co-operative Bank – First Home Special | – | – | 6.29 | – | – | – | – | – | – |
| Co-operative Bank – Owner Occ | 7.75 | 6.39 | 6.39 | 6.59 | 6.59 | 6.69 | 6.79 | 6.79 | 7.75 |
| Co-operative Bank – Standard | 7.75 | 6.89 | 6.89 | 7.09 | 7.09 | 7.19 | 7.29 | 7.29 | 7.75 |
| Credit Union Auckland | 7.70 | – | – | – | – | – | – | – | – |
| First Credit Union Special | 7.00 | – | 6.65 | – | 6.95 | – | – | – | – |
| First Credit Union Standard | 7.00 | – | 7.35 | – | 7.45 | – | – | – | – |
| HSBC Premier | 7.94 | 6.44 | 6.44 | 6.59 | 6.69 | 6.79 | 7.29 | 7.39 | – |
| HSBC Premier LVR > 80% | – | – | – | – | – | – | – | – | – |
| HSBC Special | – | – | – | – | – | – | – | – | – |
| Heartland Bank – Online | 5.99 | – | 5.89 | 5.99 | 5.99 | 5.95 | – | – | 5.49 |
| Heartland Bank – Reverse Mortgage | 8.50 | – | – | – | – | – | – | – | – |
| Heretaunga Building Society | 8.25 | – | 6.95 | – | 7.10 | – | – | – | – |
| ICBC | 7.50 | 6.29 | 6.25 | 6.35 | 6.45 | 6.65 | 6.85 | 6.85 | – |
| Kainga Ora | 7.75 | – | 6.89 | – | 7.15 | 7.09 | – | 7.19 | – |
| Kainga Ora – First Home Buyer Special | – | – | – | – | – | – | – | – | – |
| Kiwibank | 7.75 | 7.50 | 7.39 | – | 7.65 | 7.69 | 7.69 | 7.69 | 7.75 |
| Kiwibank – Offset | 7.75 | – | – | – | – | – | – | – | 7.75 |
| Kiwibank Special | – | 6.50 | 6.39 | – | 6.65 | 6.79 | 6.79 | 6.79 | – |
| Liberty | 6.84 | – | – | – | – | – | – | – | – |
| Nelson Building Society | 8.25 | – | 6.89 | – | 7.39 | – | – | – | – |
| Pepper Money Advantage | 8.69 | – | – | – | – | – | – | – | – |
| Pepper Money Easy | 6.89 | – | – | – | – | – | – | – | – |
| Pepper Money Essential | 6.49 | – | – | – | – | – | – | – | – |
| Resimac – LVR < 80% | 7.34 | – | 8.09 | – | 7.99 | 7.79 | 7.59 | 7.39 | – |
| Resimac – LVR < 90% | 8.34 | – | 9.09 | – | 8.99 | 8.79 | 8.59 | 8.39 | – |
| SBS Bank | 7.99 | 6.89 | 6.89 | 6.99 | 7.04 | 7.09 | 7.15 | 7.19 | – |
| SBS Bank Special | – | 6.39 | 6.39 | 6.49 | 6.54 | 6.59 | 6.65 | 6.69 | – |
| SBS Construction lending for FHB | 4.74 | – | – | – | – | – | – | – | – |
| SBS FirstHome Combo | – | – | 5.39 | – | – | – | – | – | – |
| SBS Unwind reverse equity | 8.50 | – | – | – | – | – | – | – | – |
 |
7.99 | – | – | – | – | – | – | – | – |
| TSB Bank | 8.75 | 7.09 | 7.09 | 7.19 | 7.29 | 7.45 | 7.55 | 7.59 | – |
| TSB Special | 7.95 | 6.29 | 6.29 | 6.39 | 6.49 | 6.65 | 6.75 | 6.79 | 8.05 |
| Unity | 7.95 | 6.50 | 6.39 | 6.65 | 6.75 | – | – | – | – |
| Wairarapa Building Society | 8.05 | – | 6.70 | 6.90 | 7.00 | – | – | – | – |
| Westforce Credit Union – Special | – | – | 6.65 | – | 6.95 | – | – | – | – |
| Westforce Credit Union – Standard | 7.00 | – | 7.35 | – | 7.45 | – | – | – | – |
| Westpac | 7.99 | 7.09 | 7.09 | 7.19 | 7.29 | 7.29 | 7.29 | 7.39 | – |
| Westpac Choices Everyday | 8.09 | – | – | – | – | – | – | – | – |
| Westpac Offset | 7.99 | – | – | – | – | – | – | – | – |
| Westpac Special | – | 6.49 | 6.49 | 6.59 | 6.69 | 6.69 | 6.69 | 6.79 | – |
Last updated: Wednesday, January 25th 2023 9:30 am
SOURCE: Landlords
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