These are carded rates, with the lowest in each term marked in gold. Lenders often do better for a borrower who asks through an adviser - see what that could be worth.
| Lender | Floating | 6 months | 1 year | 18 months | 2 years | 3 years | 4 years | 5 years |
|---|---|---|---|---|---|---|---|---|
| ANZ | — | 4.79% | 4.99% | 5.29% | 5.35% | 5.59% | — | — |
| ASB | 6.29% | 4.79% | 4.99% | 5.35% | 5.45% | 5.45% | 5.49% | 5.59% - lowest for this term |
| Bank of Baroda | — | — | — | 5.39% | — | — | — | — |
| Bank of China | 5.35% | 4.58% | 4.68% | 4.83% - lowest for this term | 5.08% | 5.18% - lowest for this term | 5.48% | 5.68% |
| Bank of India | 7.80% | 6.80% | 7.00% | — | 7.20% | — | — | — |
| BNZ | 6.34% | 4.89% | 5.19% | 5.29% | 5.35% | 5.59% | 5.65% | 5.75% |
| CFML Loans | 8.70% | — | — | — | — | — | — | — |
| Co-operative Bank | 5.69% | 5.39% | 5.69% | 5.25% | 5.99% | 6.19% | 6.39% | 6.49% |
| ICBC | 5.39% | 4.55% - lowest for this term | 4.65% - lowest for this term | 4.85% | 4.99% - lowest for this term | 5.25% | 5.45% - lowest for this term | 5.65% |
| Indi | 4.59% - lowest for this term | — | — | — | — | — | — | — |
| Kiwibank | — | 4.85% | 5.15% | — | 5.39% | 5.59% | 5.79% | 5.89% |
| Liberty Financial | 6.49% | — | 6.40% | — | 6.20% | 6.15% | — | — |
| Police CU | — | — | — | 5.29% | — | — | — | — |
| Resimac | 6.19% | — | 5.15% | — | 5.20% | 5.35% | 5.55% | 5.70% |
| SBS Bank | — | 4.85% | 5.19% | 5.29% | 5.29% | 5.59% | 5.65% | 5.75% |
| TSB Bank | 6.29% | 4.89% | 5.19% | 5.45% | 5.39% | 5.69% | 5.89% | 5.99% |
| Westpac | 6.39% | 4.89% | 5.19% | 5.45% | 5.29% | 5.59% | 5.65% | 5.75% |
Not every deal is on this table
Lenders don't always advertise their sharpest rates. Depending on your situation, better rates, cashback, or other incentives may be available.
Tell us where your mortgage sits today and we'll show you what the difference could be worth.
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Rates shown are for informational comparison only and don't constitute a loan offer. Terms and eligibility vary by lender.