How it works
- 1
Check your rate in 30 seconds
Four quick questions, no paperwork.
- 2
Match with a licensed adviser
A licensed NZ adviser picks up your enquiry.
- 3
They negotiate, you save
They take your case to the lenders and come back with options.
Mortgage basics in 60 seconds
What does an adviser cost?
In most cases nothing. Advisers are paid commission by the lender you end up with, not by you.
What is a refix vs a refinance?
A refix is a new rate with your current bank. A refinance is moving your loan to a new bank, often with cashback.
What is cashback?
A one-off payment some lenders offer when you bring your loan to them, usually a percentage of your lending. Conditions apply.
Why do advertised rates differ from what people get?
Advertised rates often carry fine print like minimum equity. Your actual rate depends on your deposit, income and lender.
Compare rates
A snapshot of advertised home loan rates from New Zealand lenders. The sharpest rate in each column is highlighted.
Swipe the table sideways to see all terms.
| Lender | Floating | 6 Months | 1 Year | 2 Years | 3 Years | 4 Years | 5 Years |
|---|---|---|---|---|---|---|---|
 | 5.34% | 4.79% | 4.99% | 5.45% | 5.69% | 5.89% | 5.99% |
 | 6.00% | 4.75% | 4.95% | 5.39% | 5.49% | 5.59% | 5.69% |
 | 6.04% | 4.79% | 4.99% | 5.49% | 5.59% | 6.39% | 6.49% |
 | 6.04% | 4.79% | 4.99% | 5.45% | 5.45% | 5.49% | 5.59% |
 | 6.04% | 4.79% | 4.99% | 5.49% | 5.69% | 5.89% | 5.99% |
 | 6.09% | 4.79% | 4.99% | 5.45% | 5.45% | 5.45% | 5.49% |
 | 6.09% | 4.79% | 4.99% | 5.44% | 5.44% | 5.49% | 5.49% |
 | 6.10% | — | 5.89% | — | — | — | — |
 | 6.14% | 4.75% | 4.99% | 5.45% | 5.39% | 5.39% | 5.49% |
 | 6.24% | — | 6.15% | 5.95% | 5.90% | — | — |
 | 6.54% | — | — | — | — | — | — |
 | 6.60% | — | — | — | — | — | — |
The live mortgage rates supplied by interest.co.nz are designed to be updated on a weekly basis, however sometimes updates may not occur as intended. Therefore the displayed rates are for reference only and may not be accurate, and we recommend you always check with a mortgage adviser or lender directly to confirm the latest rates on offer. The rates highlighted above are the ‘leading’ bank rate of the day, these rates may not be available to everyone. The highlighted rates may be ‘specials’, have ‘LVR requirements’, are for ‘owner occupiers’, or other ‘fine print’ to meet the eligibility criteria. Please check with the relevant lender directly to get information specific to your own circumstances.
See a rate you like? Run a free Rate Check.
Compare My RateRefinancing? See what you could save in 30 seconds.
What could a sharper rate be worth?
At your rate (6.50%)
$4,051/mo
At 4.95% (best 1yr)
$3,490/mo
You could save $561/month
That's $6,734 a year
+ $5,100 indicative cashback*
Estimates only, based on the lowest advertised 1-year rate in our table and indicative cashback of 0.85% of lending. Actual rates, repayments and cashback depend on your circumstances and lender criteria. This is not financial advice.
Advisers in our network work with New Zealand's leading home loan providers.
+15 more lendersClient success stories
“Our adviser made the whole process so easy. Everything was explained clearly, and we always knew what was happening.”
“As first-home buyers, we had lots of questions. The advice was straightforward, friendly and never made us feel pressured.”
“We received great advice and regular updates throughout the application. It was much easier than trying to deal with the banks ourselves.”
“Our adviser helped us understand how much we could realistically borrow and guided us all the way through to settlement.”
“We wanted a second opinion before refixing our mortgage. The options were explained clearly, and we’re really happy with the result.”
“Being self-employed made our application a little more complicated, but our adviser knew exactly what the lender needed.”
“Professional, responsive and very easy to deal with. Every question was answered quickly, and nothing felt like too much trouble.”
“We felt supported from the first conversation through to settlement. The process was far less stressful than we expected.”
“Really impressed with the service. The advice was clear, the communication was excellent, and everything was handled efficiently.”
See what a sharper rate is worth.
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