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Today's Mortgage Rates

What's the best rate you have ever had?

Tuesday, July 28th, 9:09AM  Add your comment

I have a question today. Has anyone out there ever secured a lower rate for a residential home loan than the current BNZ two-year special of 4.69% You can can email me your answers here

Also today TSB has made some cuts.

No surprises in Reserve Bank's move

Thursday, July 23rd, 11:05AM

Little surprise followed the Reserve Bank’s OCR cut this morning - and further cuts are now generally expected to come this year.

OCR cut to 3%

Thursday, July 23rd, 9:08AM

New Zealand's softening economic outlook and low inflation has led the Reserve Bank to cut the OCR to 3% today.

 

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 ▼6.24 5.59 5.10 5.55 5.59 5.59 5.75 5.79 ▼6.35
ANZ Special - - 4.89 - 4.99 - - - -
ASB Bank 6.50 5.39 5.25 5.25 5.49 5.75 5.75 5.99 6.50
ASB Bank Special - - 4.89 - 5.10 5.39 - 5.65 -
BankDirect 6.50 5.39 5.25 5.25 5.49 5.75 - 5.75 6.50
BankDirect Special - - 4.89 - 5.10 5.39 - 5.65 -
BNZ - Mortgage One ▼6.65 - - - - - - - 7.15
BNZ - Rapid Repay ▼6.24 - - - - - - - 6.74
BNZ - Special - - - - ▼4.69 - - - -
BNZ - Std, FlyBuys ▼6.24 5.59 5.19 - 5.39 5.29 5.65 5.75 -
BNZ - TotalMoney ▼5.99 - - - - - - - -
Credit Union Auckland 6.70 - - - - - - - -
Credit Union Baywide 6.45 5.75 5.75 5.75 5.75 - - - -
Credit Union North 6.45 - - - - - - - -
Credit Union South 6.45 - - - - - - - -
Finance Direct 6.10 6.25 6.45 6.60 6.69 7.10 7.45 7.70 -
First Credit Union 6.45 - - - - - - - -
HBS Bank ▼6.14 5.59 5.39 5.39 5.39 5.39 - 5.59 ▼6.14
HBS Special - - 4.99 4.85 4.99 4.99 - 5.35 -
Heartland 6.70 6.90 7.00 - 7.25 7.85 - 8.55 6.70
Heretaunga Building Society 6.45 - 5.10 - 5.40 - - - -
Housing NZ Corp 6.49 - 5.19 - 5.49 5.59 - 5.79 -
HSBC Premier 6.60 5.65 4.89 - 4.89 5.29 5.50 5.60 6.75
HSBC Premier LVR > 80% - - - - - - - - -
HSBC Special - - 5.29 - 5.29 5.29 5.29 5.29 -
Mortgage Lender Floating 6 mth 1 year 18 mth 2 years 3 years 4 years 5 years RC
ICBC 6.75 5.80 5.99 6.25 6.39 - - - -
▼6.15 5.39 5.39 - 5.49 5.69 5.75 5.99 6.40
Kiwibank - Capped - - - - - - - - -
Kiwibank - Offset 6.40 - - - - - - - -
Kiwibank Special - - 5.09 - 4.99 5.39 - 5.60 -
Liberty - - - - - - - - -
Napier Building Society 6.50 - 5.80 - 6.70 - - - 5.85
Nelson Building Society 6.70 - 5.65 - 5.95 - - - -
NZ Home Loans ▼6.60 5.39 5.39 - 5.49 6.29 5.75 5.99 -
Perpetual Trust 7.70 - - - - - - - 5.70
Resimac 5.84 - 5.60 - 5.65 5.79 5.90 6.04 -
SBS Bank ▼6.14 5.59 5.39 5.39 5.39 5.39 - 5.59 ▼6.14
SBS Bank Special - - 4.99 4.85 4.99 4.99 - 5.35 -
▼6.35 5.39 5.25 5.25 5.10 5.75 5.75 5.99 ▼6.35
Sovereign Special - - 4.89 - 5.10 5.39 - 5.65 -
The Co-operative Bank 6.20 5.45 4.89 4.99 4.99 5.20 5.40 5.59 6.20
TSB Bank ▼6.24 5.60 5.45 5.59 5.49 ▼5.40 5.85 5.85 6.49
TSB Special - - - - 4.99 5.40 - - -
Wairarapa Building Society 6.20 - 5.75 - 5.95 - - - -
Westpac ▼6.15 5.39 5.39 5.39 5.39 5.59 5.75 5.79 ▼6.25
Westpac - Capped rates - - 6.40 - 6.40 - - - -
Westpac - Offset ▼6.15 - - - - - - - -
Westpac Special - - - - 4.89 - - - -
Median 6.45 5.59 5.27 5.39 5.39 5.40 5.75 5.75 6.38

Last updated: 28 July 2015 9:07am

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