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Today's Mortgage Rates

One low rate replaced by another

Friday, May 1st, 6:00AM  Add your comment

Just as SBS withdraws its five-year rate of 4.99%, The Co-operative Bank comes to market with its own sub-five percent rate. Details here.

What are the odds of a interest rate cut?

Thursday, April 30th, 11:06AM

The Reserve Bank, today inched towards cutting the official cash rate but what are the chances of this actually happening? Miriam Bell finds out.

RBNZ outlines case for interest rate cut

Thursday, April 30th, 9:06AM

In this morning's OCR announcement the Reserve Bank said it has not plans to increase interest rates and also outlined what would need to happen for it to cut rates.

Changes from last:

Lender type:

Term:

Property value:

Loan amount:

Mortgage Lender Floating 6 mth 1 year 18 mth 2 years 3 years 4 years 5 years RC
ANZ 6.74 5.80 5.99 6.09 5.99 6.29 6.49 6.49 6.85
ANZ Special - - 5.49 5.70 5.39 5.79 - 5.89 -
ASB Bank 6.75 5.80 5.99 5.99 5.99 6.39 6.39 6.49 6.75
ASB Bank Special - - 5.59 5.70 5.39 ▲5.45 5.99 5.75 -
BankDirect 6.75 5.80 5.99 6.09 6.09 6.39 6.39 6.49 6.75
BankDirect Special - - 5.59 - 5.39 5.39 - 5.75 -
BNZ - Mortgage One 7.15 - - - - - - - 7.15
BNZ - Rapid Repay 6.74 - - - - - - - 6.74
BNZ - Special - - - - - - - - -
BNZ - Std, FlyBuys 6.74 5.59 5.49 - 5.39 5.55 5.65 5.75 -
BNZ - TotalMoney 6.74 - - - - - - - -
Credit Union Auckland 6.70 - - - - - - - -
Credit Union Baywide 6.45 6.00 5.95 5.95 5.99 - - - -
Credit Union North 6.45 - - - - - - - -
Credit Union South 5.75 - - - - - - - -
6.04 6.55 6.15 - 6.69 7.19 7.65 7.90 6.09
Finance Direct 6.10 6.25 6.45 6.60 6.69 7.10 7.45 7.70 -
First Credit Union 6.45 - - - - - - - -
General Finance 5.95 6.55 6.25 - 6.50 7.10 7.65 7.90 6.09
HBS Bank 6.65 5.80 5.69 5.74 5.39 5.69 - 5.99 6.65
HBS Special - - 5.59 5.64 5.19 5.49 - ▲5.79 -
Heartland 6.70 6.90 7.00 - 7.25 7.85 - 8.55 6.70
Heretaunga Building Society 6.70 - 5.70 - 5.40 - - - -
Housing NZ Corp 6.74 - 5.70 - 5.99 6.29 - 6.49 -
HSBC Premier 6.84 5.65 5.65 - 5.65 5.65 5.65 5.65 6.99
Mortgage Lender Floating 6 mth 1 year 18 mth 2 years 3 years 4 years 5 years RC
HSBC Premier LVR > 80% - - - - - - - - -
HSBC Special - - 5.29 - 5.29 5.29 5.29 5.29 -
ICBC 6.75 5.80 5.99 6.25 6.39 - - - -
6.65 5.89 5.59 - 6.09 6.29 5.99 6.49 6.65
Kiwibank - Capped - - - - - - - - -
Kiwibank - Offset 6.55 - - - - - - - -
Kiwibank Special - - - - 5.39 5.39 - 5.79 -
Liberty - - - - - - - - -
Napier Building Society 5.80 - 6.00 - 6.70 - - - 5.85
Nelson Building Society 6.95 - 6.15 - 6.60 - - - -
NZ Home Loans 6.85 5.89 6.09 - 6.40 6.29 6.39 6.49 -
Perpetual Trust 7.70 - - - - - - - 5.70
Resimac 6.59 - 5.88 - 5.86 5.90 6.02 6.06 -
SBS Bank 6.65 5.80 5.69 5.74 5.39 5.69 - 5.99 6.65
SBS Bank Special - - 5.59 5.64 5.19 5.49 - ▲5.79 -
Silver Fern 5.95 6.00 6.10 - 6.55 7.05 7.50 7.80 6.95
6.85 5.80 5.99 5.99 6.09 6.29 6.39 6.49 6.60
Sovereign Special - - 5.59 - 5.39 5.39 - 5.65 -
The Co-operative Bank 6.70 5.80 5.59 ▼4.99 5.39 5.49 5.69 5.69 6.70
TSB Bank 6.74 5.80 5.70 5.80 5.70 6.00 6.40 6.50 6.74
TSB Special - - - - ▼5.29 ▼5.40 - 5.85 -
Wairarapa Building Society 6.20 - 5.75 - 5.95 - - - -
Westpac 6.59 5.80 5.99 5.99 5.99 5.99 6.39 6.49 6.75
Westpac - Capped rates - - 6.74 - 6.99 - - - -
Westpac - Offset 6.59 - - - - - - - -
Mortgage Lender Floating 6 mth 1 year 18 mth 2 years 3 years 4 years 5 years RC
Westpac Special - - - 5.34 5.39 5.89 - 5.65 -
Median 6.70 5.80 5.81 5.80 5.95 5.89 6.39 6.03 6.70

Last updated: 1 May 2015 9:54am

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