Interest Rates

Current Interest Rates as of 10th December 2019

Lender Vari 6 month 1 year 18 month 2 year 3 year 4 year 5 year RC
                   
ANZ 5.19% 4.15% 4.05% 3.89% 4.05% 4.49% 4.75% 4.85% 5.80%
ANZ - LEM - plus 0.50% 5.69% 4.65% 4.55% 4.99% 4.45% 4.99% 5.25% 5.35%  
ANZ - Special   3.65% 3.55% 3.39% 3.55% 3.99%      
                   
ASB 5.20% 4.39% 3.89% 4.25% 4.05% 4.39% 4.69% 4.79% 5.30%
ASB Special Rate   3.89% 3.39% 3.75% 3.55% 3.89% 4.19% 4.29%  
                   
BNZ - Special     3.49% 3.39% 3.45% 3.99% 3.99% 3.99%  
BNZ - Mortgage One 5.90%               7.15%
BNZ - Rapid Repay 5.35%               6.74%
BNZ - Standard Flybuys 5.30% 4.79% 4.45% 4.55% 4.35% 4.55% 4.95% 5.15%  
BNZ - TotalMoney 5.30%                
                   
First Credit Union 5.85%   3.39%   4.49%        
                   
General Finance 5.95% 6.55% 6.25%   6.50% 7.10% 7.65% 7.90% 6.09%
                   
Heartland 6.70% 6.90% 7.00%   7.25% 7.85%   8.55% 6.70%
                   
HSBC Premier 5.24% 4.19% 3.54% 3.54% 3.54% 3.69% 3.79% 3.89% 5.44%
                   
Kiwibank 5.20% 5.04% 4.20%   4.30% 4.64% 4.74% 4.84% 5.20%
Kiwibank - Capped Variable                  
Kiwibank - Offset 5.15%                
Kiwibank - Special   4.79% 3.45%   3.55% 3.89% 3.99% 4.09%  
                   
NZ Home Loans 5.80% 4.99% 4.85%   5.14% 5.49% 5.75% 5.99%  
                   
NZCU Baywide 5.65% 4.99% 4.75% 4.75% 4.75%        
                   
Resimac - Lo Doc 6.30%   5.86%   5.14% 5.19% 5.99% 6.09%  
Resimac <80% 5.30%   4.86%   4.14% 5.30% 4.99% 5.09%  
Resimac <85% 6.30%   5.86%   5.14% 5.19% 5.99% 6.09%  
Resimac <90% 7.30%   6.86%   6.14% 6.19% 6.99% 7.09%  
                   
SBS 5.29% 5.25% 4.85% 5.15% 5.05% 5.49% 5.89% 6.09% 5.79%
SBS  <80%                  
SBS Special   4.29% 3.39% 3.69% 3.45% 3.89% 4.49% 4.49%  
                   
Sovereign 5.30% 4.39% 3.89% 4.25% 4.05% 4.39% 4.69% 4.79% 6.35%
Sovereign Special   3.89% 3.39% 3.75% 3.55% 3.89% 4.19% 4.29%  
                   
The Co-Operative Bank Owner Occ 5.15% 3.49% 3.49% 3.59% 3.59% 3.89% 3.99% 4.09% 5.15%
                   
TSB - Below 80% & HNZ 6.09% 4.69% 4.35% 4.35% 4.25% 4.69% 5.25% 5.35% 6.09%
TSB - 85% - 90%                  
TSB Special - 10 yr 5.99% 5.29% 3.89% 3.55% 3.55% 3.45% 3.89% 4.45% 4.55% 5.29%
                   
Westpac 5.34% 4.79% 4.15% 4.25% 4.09% 4.49% 4.85% 4.95% 5.44%
Westpac Standard Floating  5.34%                
Westpac Everyday 5.44%                
Westpac Fixed 5.34% 4.74% 4.15% 4.25% 4.09% 4.49% 4.85% 4.95% 5.44%
Westpac Offset 5.34%                
Westpac Special     3.39%   3.45% 3.99% 4.35% 4.45%  

Normal lending criteria applies and interest rates are subject to change at any time.