We start with tailored advice that’s personalised to your unique financial situation and goals, whether you’re a first home buyer, a homeowner looking to refinance or you’re self-employed needing to get approval.
Compare the latest NZ mortgage interest rates with our up-to-date mortgage rates table. We’re a proud sponsor of Business Desk – Mortgage Rates, and they track the interest rates on offer from all the major banks in New Zealand, including ANZ, BNZ, ASB, Westpac and Kiwibank, as well as interest rates from smaller banks like SBS and TSB. Loan terms from floating up to five years in length are shown. Above-average interest rates are in yellow, below-average are in blue. Special mortgage rates typically require a minimum of 20% equity. FHB stands for first home buyer. All interest rates are updated as soon as possible after changes are announced by the lenders.
| Bank | Type | Floating | 6 months | 1 year | 18 months | 2 years | 3 years | 4 years | 5 years |
|---|---|---|---|---|---|---|---|---|---|
| ANZ | Special | 5.89% | 5.29% | 5.19% | 4.99% | 5.29% | ANZ | Standard | 6.89% | 6.49% | 5.89% | 5.79% | 5.59% | 5.89% | 5.99% | 5.99% | ASB | Special | 6.89% | 5.79% | 5.25% | 5.19% | 4.99% | 5.35% | 5.59% | 5.69% | BNZ | Special | 5.79% | 5.29% | 5.19% | 4.99% | 5.29% | 5.69% | 5.79% | BNZ | Standard | 6.94% | 5.79% | 5.29% | 5.19% | 4.99% | 5.29% | 5.69% | 5.79% | Co-operative | Special | 6.45% | 5.69% | 5.19% | 5.29% | 5.19% | 5.49% | 5.79% | 5.89% | Co-operative | Special (FHB) | 5.09% | Co-operative | Standard | 6.45% | 6.19% | 5.69% | 5.79% | 5.69% | 5.99% | 6.29% | 6.39% | Kiwibank | Special | 6.75% | 5.65% | 5.19% | 5.19% | 5.59% | 5.79% | 5.89% | Kiwibank | Standard | 6.75% | 6.55% | 6.09% | 6.09% | 6.39% | 6.59% | 6.69% | SBS | Special | 5.95% | 5.39% | 5.25% | 5.29% | 5.35% | 5.69% | 5.69% | SBS | Standard | 6.99% | 6.55% | 5.99% | 5.85% | 5.89% | 5.95% | 6.29% | 6.29% | TSB | Special | 6.89% | 5.89% | 5.19% | 5.49% | 4.99% | 5.39% | 5.79% | 5.89% | TSB | Standard | 7.69% | 6.69% | 5.99% | 6.29% | 5.79% | 6.19% | 6.59% | 6.69% | Westpac | Special | 5.89% | 5.29% | 5.19% | 4.99% | 5.39% | 5.39% | 5.39% | Westpac | Standard | 6.99% | 6.49% | 5.89% | 5.79% | 5.59% | 5.99% | 5.99% | 5.99% |
These rates are sourced and supplied to Properli from businessdesk.co.nz/mortgage-rates
Embarking on your first home purchase is exciting but can also be daunting.
Properli Advisers can provide tailored advice and recommendations to get you started on your journey to property ownership. We simplify the process by removing the jargon and do the heavy lifting with the all major banks and second tier lenders, to help get you on the property ladder sooner! We’ll take care of all the paperwork enabling you to get a clear picture of all options available to you.
Now is a great time to speak to a Financial Adviser, when interest rates are dropping at major NZ banks. Now is a great time to renew your existing mortgage or refinancing in the current market.
Properli Advisers will help you understand your options and secure the most competitive solution for today and your future goals.
Feeling improperly informed? Understand more about refinancing your mortgage with our
Kiwis love buying property – to live in, rent out or holiday in. Investing in property and building an investment portfolio is achievable with proper planning and expert advice. Let us show you how property investment can help you achieve financial freedom sooner than you think.
