Advisers in our network work with New Zealand's leading home loan providers.
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Finding the house is hard enough
Weekend open homes. Refreshing the listings. Getting outbid at auction by someone who turned up ten minutes before it started.
Make the mortgage the easy part.
Get Pre-ApprovalFirst home, first facts
The 20% myth
You don't always need 20%. Some lenders lend at 10%, and Kainga Ora First Home Loans can start at 5% if you meet the criteria.
Your KiwiSaver can be your deposit
After 3 years of contributing you may be able to withdraw almost all of it for your first home, leaving $1,000 behind.
Low equity premium
Under 20% deposit, lenders usually charge an extra margin or fee. It's the price of getting in sooner.
Pre-approval first, open homes second
Knowing your budget before you fall in love with a house saves heartbreak at auction.
Your adviser can
Streamline your application
One set of documents, packaged the way lenders want to see it.
Find you sharp rates
Compare what the lenders they work with are offering right now.
Answer every question
Deposit, LVR, pre-approval, settlement — in plain English.
Help get you into your first home
From first chat through to unconditional and settlement.
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.
Get Pre-Approval
What you get when you're matched
- One quick form instead of multiple bank applications
- An adviser who explains LVR, low equity charges and pre-approval
- Help lining up KiwiSaver and any first home support you qualify for
- A plan you can act on, even if you're 12 months away
$100M+
in lending settled by advisers in our network
20+
lender relationships
200+
Kiwis matched with an adviser
Client 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.”
Frequently asked questions
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