Standard
- Variable floating
- 5.79
- 6 months
- 5.29
- 1 year
- 5.39
- 2 years
- 6.09
- 3 years
- 6.29
- 4 years
- 6.39
- 5 years
- 6.49
Mortgage rates
Find the right rate for your situation.
The lowest advertised rate is not always the best option for your situation. We compare home loan interest rates across New Zealand's leading lenders and help you find a structure that fits your goals today and into the future.
NZ home loan interest rates
Compare current lender options
Choosing the right term is just as important as finding a competitive rate.
Showing all providers
| Institution | Product | Variable floating | 6 months | 1 year | 2 years | 3 years | 4 years | 5 years |
|---|---|---|---|---|---|---|---|---|
 | Standard | 5.79 | 5.29 | 5.39 | 6.09 | 6.29 | 6.39 | 6.49 |
| Standard | 18 months = 5.79 | — | — | — | — | — | — | |
| Special LVR under 80% | — | 4.69 | 4.79 | 5.49 | 5.69 | — | — | |
| Special LVR under 80% | 18 months = 5.19 | — | — | — | — | — | — | |
| Reno loan - Up to $50K | — | — | — | — | 2.50 | — | — | |
| Good Energy - Up to $80K | — | — | — | — | 1.00 | — | — | |
 | Standard | 5.79 | 4.49 | 4.65 | 5.25 | 5.49 | 5.69 | 5.89 |
| Standard | 18 months = 4.95 | — | — | — | — | — | — | |
| Better Homes Top Up | — | — | — | — | 1.00 | — | — | |
 | TotalMoney | 5.94 | — | — | — | — | — | — |
| Standard | 5.84 | 4.49 | 4.65 | 5.19 | 5.39 | 5.59 | 5.79 | |
| Standard | 18 months = 4.95 | — | — | — | — | — | — | |
| Better Future Home Loan | — | — | — | — | 1.00 | — | — | |
 | Standard | 4.99 | 5.09 | 5.29 | 5.89 | 6.15 | 6.35 | 6.49 |
| Standard | 18 months = 5.65 | — | — | — | — | — | — | |
| Owner Occupied | 4.99 | 4.59 | 4.79 | 5.39 | 5.65 | 5.85 | 5.99 | |
| Owner Occupied | 18 months = 5.15 | — | — | — | — | — | — | |
| First Home Buyer Special | — | — | 4.69 | — | — | — | — | |
 | Standard | 5.75 | 5.39 | 5.65 | 6.19 | 6.35 | 6.59 | 6.69 |
| Special | — | 4.49 | 4.75 | 5.29 | 5.55 | 5.89 | 5.99 | |
| Offset Mortgage | 5.75 | — | — | — | — | — | — | |
 | Standard | 6.59 | 5.49 | 5.59 | 6.05 | 6.39 | 6.69 | 6.79 |
| Standard | 18 months = 5.99 | — | — | — | — | — | — | |
| Special LVR <80% | 5.79 | 4.69 | 4.79 | 5.25 | 5.59 | 5.89 | 5.99 | |
| Special LVR <80% | 18 months = 5.19 | — | — | — | — | — | — | |
 | Standard | 5.89 | 5.29 | 5.39 | 5.79 | 5.89 | 5.99 | 6.09 |
| Standard | 18 months = 5.69 | — | — | — | — | — | — | |
| Special LVR < 80% | — | 4.69 | 4.79 | 5.19 | 5.29 | 5.39 | 5.49 | |
| Special LVR < 80% | 18 months = 5.09 | — | — | — | — | — | — | |
| Greater Choices | — | — | — | — | — | — | 0.00 | |
| Choices Offset | 5.89 | — | — | — | — | — | — | |
| Choices Everyday | 5.99 | — | — | — | — | — | — |
Standard
- 18 months
- 5.79
Special LVR under 80%
- 6 months
- 4.69
- 1 year
- 4.79
- 2 years
- 5.49
- 3 years
- 5.69
Special LVR under 80%
- 18 months
- 5.19
Reno loan - Up to $50K
- 3 years
- 2.50
Good Energy - Up to $80K
- 3 years
- 1.00
Standard
- Variable floating
- 5.79
- 6 months
- 4.49
- 1 year
- 4.65
- 2 years
- 5.25
- 3 years
- 5.49
- 4 years
- 5.69
- 5 years
- 5.89
Standard
- 18 months
- 4.95
Better Homes Top Up
- 3 years
- 1.00
TotalMoney
- Variable floating
- 5.94
Standard
- Variable floating
- 5.84
- 6 months
- 4.49
- 1 year
- 4.65
- 2 years
- 5.19
- 3 years
- 5.39
- 4 years
- 5.59
- 5 years
- 5.79
Standard
- 18 months
- 4.95
Better Future Home Loan
- 3 years
- 1.00
Standard
- Variable floating
- 4.99
- 6 months
- 5.09
- 1 year
- 5.29
- 2 years
- 5.89
- 3 years
- 6.15
- 4 years
- 6.35
- 5 years
- 6.49
Standard
- 18 months
- 5.65
Owner Occupied
- Variable floating
- 4.99
- 6 months
- 4.59
- 1 year
- 4.79
- 2 years
- 5.39
- 3 years
- 5.65
- 4 years
- 5.85
- 5 years
- 5.99
Owner Occupied
- 18 months
- 5.15
First Home Buyer Special
- 1 year
- 4.69
Standard
- Variable floating
- 5.75
- 6 months
- 5.39
- 1 year
- 5.65
- 2 years
- 6.19
- 3 years
- 6.35
- 4 years
- 6.59
- 5 years
- 6.69
Special
- 6 months
- 4.49
- 1 year
- 4.75
- 2 years
- 5.29
- 3 years
- 5.55
- 4 years
- 5.89
- 5 years
- 5.99
Offset Mortgage
- Variable floating
- 5.75
Standard
- Variable floating
- 6.59
- 6 months
- 5.49
- 1 year
- 5.59
- 2 years
- 6.05
- 3 years
- 6.39
- 4 years
- 6.69
- 5 years
- 6.79
Standard
- 18 months
- 5.99
Special LVR <80%
- Variable floating
- 5.79
- 6 months
- 4.69
- 1 year
- 4.79
- 2 years
- 5.25
- 3 years
- 5.59
- 4 years
- 5.89
- 5 years
- 5.99
Special LVR <80%
- 18 months
- 5.19
Standard
- Variable floating
- 5.89
- 6 months
- 5.29
- 1 year
- 5.39
- 2 years
- 5.79
- 3 years
- 5.89
- 4 years
- 5.99
- 5 years
- 6.09
Standard
- 18 months
- 5.69
Special LVR < 80%
- 6 months
- 4.69
- 1 year
- 4.79
- 2 years
- 5.19
- 3 years
- 5.29
- 4 years
- 5.39
- 5 years
- 5.49
Special LVR < 80%
- 18 months
- 5.09
Greater Choices
- 5 years
- 0.00
Choices Offset
- Variable floating
- 5.89
Choices Everyday
- Variable floating
- 5.99
Last updated: 2026-06-18 10:12:22
Fixed Rate
Your interest rate remains unchanged for the duration of the term, so you know exactly what your repayments will be each month.
Floating Rate
A floating rate can move with the market and gives more flexibility if you want to make extra repayments or change your loan structure.