Current Mortgage Balance ($)

Current Interest Rate (%)

Remaining Years

Institution	Product	Variable floating	6 months	1 year	18 months	2 years	3 years	4 years	5 years
ANZ	Standard	6.29%	5.39%	5.59%	6.05%	6.09%	6.19%	6.39%	6.49%
	Special LVR under 80%	-	4.79%	4.99%	5.45%	5.49%	5.59%	-	-
	Reno loan - Up to $50K	-	-	-	-	-	2.50%	-	-
	Good Energy - Up to $80K	-	-	-	-	-	1.00%	-	-
ASB	Standard	6.29%	4.79%	4.99%	5.35%	5.45%	5.45%	5.49%	5.59%
BNZ	Standard	6.34%	4.79%	4.99%	5.29%	5.45%	5.45%	5.45%	5.49%
	Better Future Home Loan	-	-	-	-	-	1.00%	-	-
Bank of China	Standard	7.25%	5.58%	5.68%	5.83%	6.08%	6.18%	6.48%	6.68%
	Special	5.35%	4.58%	4.68%	4.83%	5.08%	5.18%	5.48%	5.68%
Co-operative Bank	Standard	5.69%	5.29%	5.49%	5.79%	5.95%	6.19%	6.39%	6.49%
	Owner Occupied	5.69%	4.79%	4.99%	5.29%	5.45%	5.69%	5.89%	5.99%
Heartland Bank	Residential	6.35%	-	5.89%	-	-	-	-	-
ICBC	Special	5.39%	4.55%	4.65%	4.85%	4.99%	4.99%	5.45%	5.65%
Kiwibank	Standard	6.25%	5.65%	5.85%	-	6.29%	6.29%	6.29%	6.39%
	Special	-	4.75%	4.95%	-	5.39%	5.49%	5.59%	5.69%
SBS Bank	Residential	6.34%	5.39%	5.59%	5.89%	6.04%	6.04%	6.09%	6.09%
	Special	-	4.79%	4.99%	5.29%	5.44%	5.44%	5.49%	5.49%
TSB Bank	Standard	7.09%	5.59%	5.79%	5.99%	6.29%	6.49%	6.69%	6.79%
	Special LVR <80%	6.29%	4.79%	4.99%	5.19%	5.49%	5.69%	5.89%	5.99%
Westpac	Standard	6.39%	5.35%	5.59%	5.95%	6.05%	5.99%	5.99%	6.09%
	Special LVR < 80%	-	4.75%	4.99%	5.35%	5.45%	5.39%	5.39%	5.49%
Indi	Standard	4.59%	-	-	-	-	-	-	-
Welcome	Short-term first mortgages from:	6.75%	6.85%	6.95%	-	7.25%	7.25%	-	-

Floating+

6 Months+

1 Year+

18 Months+

2 Years+

3 Years+

4 Years+

5 Years+

Standard Rate

Special Rate

Last updated: September 11, 2026, 8:47 pm

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