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HSBC does it again

Wednesday, September 17th, 7:45AM  Add your comment

HSBC has launched a spring mortgage campaign offering a market-leading special rate of 5.75% on its one, two and three year fixed home loans. The bank has also reduced its standard HSBC Premier three-year fixed home loan rate by 16 bps to 6.39%, further enhancing its very competitive fixed mortgage rate card.

These special home loan rates are being offered for a strictly limited time to new HSBC Premier customers, and existing HSBC Premier customers who borrow an additional $100,000 or more. To qualify for this offer customers must have at least 20% deposit or equity.

Floating rates flat for seven more months

Thursday, September 11th, 9:10AM

While the Reserve Bank is not indicating when it next expects to increase the OCR, markets are picking the move will come in seven months time.

Interest rates on hold for some time

Thursday, September 11th, 9:01AM

Economists’ predictions that the Reserve Bank would hold the official cash rate at 3.50% have proved to be correct.

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
AMP Home Loans 7.24 5.89 5.99 - 6.39 6.65 6.99 6.95 6.60
AMP Home Loans $200k+ 7.14 5.79 5.89 - 6.29 6.55 6.89 6.85 6.50
AMP Home Loans LVR <80% - - - - 5.85 6.29 - - -
ANZ 6.74 5.95 6.15 6.25 6.49 6.49 6.95 7.15 6.85
ANZ LVR > 90 6.74 6.45 6.65 6.75 6.99 6.99 7.45 7.65 6.85
ANZ Special - - 5.75 - 5.99 - - - -
ASB Bank 6.75 5.80 6.09 6.30 6.40 6.65 6.80 6.99 6.75
ASB Bank Special - - - - 5.99 6.19 - - -
BankDirect 6.75 5.80 6.09 6.30 6.99 6.65 - 6.99 6.75
BankDirect Special - - - - 5.99 6.19 - - -
BNZ - Classic - - - - 5.99 6.19 - - -
BNZ - GlobalPlus 6.74 5.89 5.99 6.25 6.39 6.59 6.79 6.99 -
BNZ - Mortgage One 7.15 - - - - - - - 6.40
BNZ - Rapid Repay 6.74 - - - - - - - 5.99
BNZ - Std, FlyBuys 6.74 5.89 5.99 - 6.39 6.59 6.79 6.99 -
BNZ - TotalMoney 6.74 - - - - - - - -
Credit Union Auckland 6.70 - - - - - - - -
Credit Union Baywide 6.45 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 5.99 6.19 - 6.79 5.90
Mortgage Lender Floating 6 mth 1 year 18 mth 2 years 3 years 4 years 5 years RC
HBS Special - - - - - 5.89 - - -
Heartland 6.70 6.90 7.00 - 7.25 7.85 - 8.55 6.70
Heretaunga Building Society 6.70 - 6.00 - 6.50 - - - -
Housing NZ Corp 6.74 - 5.99 - ▲6.39 ▼6.59 - 6.99 -
HSBC Premier 6.84 5.85 5.95 - 5.95 ▼6.39 6.79 6.99 6.99
HSBC Premier LVR > 80% - - 5.75 - 5.75 5.75 - - -
HSBC Special - - - - - - - - -
ICBC 6.75 5.80 5.99 6.25 6.39 - - - -
6.65 5.89 5.99 - 6.39 6.65 6.69 6.79 6.65
Kiwibank - Capped 5.65 - 6.50 - - - - - -
Kiwibank - Offset 6.55 - - - - - - - -
Kiwibank LVR > 80% - - - - 5.89 6.19 - - -
Liberty 5.64 - - - - - - - -
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 6.65 6.80 6.99 -
Perpetual Trust 7.70 - - - - - - - 5.70
Resimac ▲6.59 - ▲6.35 - 6.58 6.77 6.89 6.94 -
SBS Bank 6.15 5.80 5.85 5.99 5.99 6.19 - 6.79 6.15
SBS Bank Special - - - - - 5.89 - - -
Silver Fern 5.95 6.00 6.10 - 6.55 7.05 7.50 7.80 6.95
6.85 5.80 6.09 6.30 6.40 6.65 6.80 6.99 6.60
Sovereign Special - - - - - 6.19 - - -
The Co-operative Bank 6.70 6.00 6.00 6.00 6.00 6.25 6.75 6.89 6.70
TSB Bank 6.74 5.85 ▼5.95 6.05 6.19 ▼6.30 6.80 7.00 6.74
Mortgage Lender Floating 6 mth 1 year 18 mth 2 years 3 years 4 years 5 years RC
TSB Special - - - - 5.79 - - - -
Wairarapa Building Society 6.20 - 5.75 - 5.95 - - - -
Westpac 6.59 5.80 6.09 6.30 6.39 6.65 6.79 6.99 6.75
Westpac - Capped rates - - 6.74 - 6.99 - - - -
Westpac - Offset 6.59 - - - - - - - -
Westpac Special - - - - 5.99 6.19 - - -
Median 6.70 5.89 6.00 6.25 6.39 6.57 6.80 6.99 6.62

Last updated: 17 September 2014 7:43am

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