PHOTO: GLENN HUNT/AFR – It’s a busy time of year in the property market, so banks want to be in the spotlight.

Mortgage wars are in full effect as banks compete for your home loan business.

First ANZ advertised 3.95 per cent for a year, which ASB and Westpac have since matched.

Then BNZ hit back with 3.99 per cent for two years.

If you’re a borrower with a good amount of equity, you’re in prime position.

They are low, but not ridiculously so compared to what else has been on offer in recent times.

Until the end of August, Kiwibank was advertising 3.99 per cent for one year. HSBC still has 3.85 per cent for premier borrowers with more than 20 per cent equity.

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