Today's rates
Every mortgage rate in New Zealand, one table.
Carded fixed and floating rates, read each night from each lender's own published material. What a lender will actually write for you is usually better than what's on the board — which is the conversation worth having.
PLACEHOLDER — no live rate data. Structure only. The nightly scraper fills this; it must not go in front of traffic until it does.
| Lender | 6 mth | 1 yr | 18 mth | 2 yr | 3 yr |
|---|---|---|---|---|---|
| ANZ | — | — | — | — | — |
| ASB | — | — | — | — | — |
| BNZ | — | — | — | — | — |
| Westpac | — | — | — | — | — |
| Kiwibank | — | — | — | — | — |
| TSB | — | — | — | — | — |
Carded is not the whole board
The rate on the board isn't one number.
Lenders publish a standard rate and a special rate, and the special usually requires 20% equity. At one major on 10 September 2026 the standard one-year and the special sat sixty basis points apart — same product, same week, different borrower.
“Banks' websites usually just advertise their standard mortgage rates, not the best deals they offer to customers with 20% deposits and good credit ratings.”
Canstar, on the category generally.
So there are three numbers, not one: the standard rate, the special, and what the lender will actually write for a particular borrower. This table publishes the ones that are published. The third one comes out of a conversation.
Where these come from
Read nightly, stamped, and nobody pays for a position.
Every rate is read from the lender's own published material, timestamped with the time it was read, and ordered by rate. There is no paid placement in the table and no lender pays us anything. We also list lenders several comparison sites leave off entirely.
A rate table is a record of what was published at the time it was read, not an offer. Lenders change rates without notice, and each sets its own criteria — including minimum loan amounts, equity bands and minimum fixed terms.
Before you tick anything
Four things worth asking, whoever you're with.
Questions, not targets. What the answers are worth is between you, your lender and somebody licensed to have an opinion.
- What is the best rate you will write for me on this term, as opposed to the carded one?
- What is the standard rate, what is the special, and which one am I on?
- If I took a cashback, how long do I have to stay and what is repayable if I do not?
- What is my early repayment adjustment on the current loan, as a number, today?
Questions
The things people actually ask.
Where do your rates come from?
Each lender’s own published rate pages, read nightly and stamped with the time they were read. We publish carded rates, which are the advertised ones. What a lender will actually write is often better, and that gap is the single most useful thing to know before you ring them.
How accurate are your numbers?
The rates are read nightly from each lender’s own published material and stamped with the time they were read. Everything else is arithmetic on figures you enter, with the method stated next to the result. What we cannot know: the rate a lender will actually write for you, your exact break fee, and your lender’s fee schedule where they do not publish it. Where we cannot know something, the page says so rather than estimating around it.
Are you paid to show one lender ahead of another?
No, and there is no paid placement in the table. It is ordered by rate. We are paid a share of an adviser’s commission if a loan settles, regardless of which lender it settles with, and no lender pays us anything.
Rates are going up anyway. What is the point of checking?
The rate is one of several things that changes at a refix, and it is the one with the least room in it. The term, the structure, the cashback and its minimum period, what a move would cost net of legals and clawback, and whether you asked for the special rather than the standard — all of that is still live in a rising cycle.
Is this financial advice?
No. This page publishes factual information about lenders’ published rates and offers. We are not a financial advice provider. Any advice comes from a licensed adviser, who will give you their disclosure information before advising you.
A table tells you the rate. Not whether it's yours.
Two numbers and a date, and a licensed adviser comes back with what applies to your loan.
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