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Today's Mortgage Rates

Wednesday, July 23rd, 7:41AM  Add your comment

PS: Yesteday's headline was possibly an over-reaction to the RBNZ speech.

[MRadio] OCR preview and more on cash contributions

Monday, July 21st, 8:24AM

In Mortgage Rates Radio this week Philip Macalister reports on a new development around bank cash contributions; previews this week's OCR and what it means for borrowers; and has a welcome change of approach from one bank.

Rate hike on, but not a done deal

Friday, July 18th, 1:20PM

You can expect the Reserve Bank to hike its official cash rate next week, and floating rates will follow suit. However, what the central bank says and where interest rates will go after next week is less certain.

Changes from the last:

Lender types:

Term:

Property value:

Loan amount:

Mortgage Lender Floating 6 mth 1 year 18 mth 2 years 3 years 4 years 5 years RC
AMP Home Loans 6.99 5.89 5.99 - 6.29 6.60 6.99 6.95 6.35
AMP Home Loans $200k+ 6.89 5.79 5.89 - 6.19 6.50 6.89 6.85 6.25
AMP Home Loans LVR <80% - - - - 5.85 6.29 - - -
ANZ 6.49 5.95 6.05 6.25 6.49 6.65 6.95 7.15 6.60
ANZ LVR > 90 6.49 6.45 6.55 6.75 6.99 7.15 7.45 7.65 6.49
ANZ Special - - - - 6.09 - - - -
ASB Bank 6.50 5.80 6.09 6.30 6.40 6.65 6.80 6.99 6.50
ASB Bank Special - - 5.95 - - - - - -
BankDirect 6.50 5.80 6.09 6.30 6.99 6.65 - 6.99 6.50
BankDirect Special - - 5.95 - - - - - -
BNZ - Classic - - - - - 6.25 - - -
BNZ - GlobalPlus 6.49 5.89 5.99 6.25 6.39 6.59 6.79 6.99 -
BNZ - Mortgage One 6.90 - - - - - - - 6.40
BNZ - Rapid Repay 6.49 - - - - - - - 5.99
BNZ - Std, FlyBuys 6.49 5.89 5.99 - 6.39 6.59 6.79 6.99 -
BNZ - TotalMoney 6.49 - - - - - - - -
Credit Union Auckland ▲6.70 - - - - - - - -
Credit Union Baywide 6.10 5.70 5.90 - 6.50 - - - -
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 6.15 5.80 5.85 5.99 6.20 6.25 - 6.79 5.90
Mortgage Lender Floating 6 mth 1 year 18 mth 2 years 3 years 4 years 5 years RC
HBS Special - - - - - 5.95 - - -
Heartland 6.45 6.65 6.75 - 7.00 7.60 - 8.30 6.45
Heretaunga Building Society 6.25 - 5.85 - 6.50 - - - -
Housing NZ Corp ▲6.50 - ▲6.00 - 6.30 ▲6.60 - ▼7.00 -
HSBC Premier 6.59 5.65 5.95 - 5.99 6.25 6.89 6.99 6.80
HSBC Premier LVR > 80% - - - - - - - - -
HSBC Special - - 5.85 - 5.85 5.85 - - -
6.40 5.89 5.99 - 6.29 6.29 6.80 6.95 6.40
Kiwibank - Capped 5.65 - 6.50 - - - - - -
Kiwibank - Offset 6.30 - - - - - - - -
Kiwibank LVR > 80% - - - - 5.85 6.29 - - -
Liberty 5.64 - - - - - - - -
Napier Building Society 5.80 - 6.00 - 6.70 - - - 5.85
Nelson Building Society 6.75 - 5.95 - 6.60 - - - -
NZ Home Loans 6.35 5.89 6.09 - 6.40 6.65 6.80 6.99 -
Perpetual Trust 7.70 - - - - - - - 5.70
RESIMAC - lo doc 7.34 - 7.06 - 7.38 7.82 8.22 8.36 -
RESIMAC LVR < 80% 6.34 - 6.06 - 6.38 6.82 7.22 7.36 -
RESIMAC LVR < 85% 7.34 - 7.06 - 7.38 7.82 8.22 8.36 -
RESIMAC LVR < 90% 8.34 - 8.06 - 8.38 8.82 9.22 9.36 -
SBS Bank 6.15 5.80 5.85 5.99 6.20 6.25 - 6.79 6.15
SBS Bank Special - - - - - 5.95 - - -
Silver Fern 5.95 6.00 6.10 - 6.55 7.05 7.50 7.80 6.95
6.60 5.80 6.09 6.30 6.40 6.65 6.80 6.99 6.60
Sovereign Special - - 5.95 - - - - - -
Mortgage Lender Floating 6 mth 1 year 18 mth 2 years 3 years 4 years 5 years RC
The Co-operative Bank 6.45 6.00 6.00 6.00 6.00 6.25 6.75 6.89 6.20
TSB Bank 6.49 5.85 6.00 6.05 6.19 6.60 6.80 7.00 6.29
TSB Special - - - - 5.80 - - - -
Wairarapa Building Society 6.20 - 5.75 - 5.95 - - - -
Westpac 6.24 5.80 6.09 6.30 6.39 6.65 6.79 6.99 6.50
Westpac - Capped rates - - 6.49 - 6.99 - - - -
Westpac - Offset 6.24 - - - - - - - -
Westpac Special - - 5.95 - - - - - -
Median 6.45 5.89 6.00 6.28 6.39 6.60 6.92 6.99 6.38

Last updated: 18 July 2014 9:08am

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