Kiwibank · Special
Find the right rate for your situation.
Compare advertised home-loan rates, then talk through the terms, fees and flexibility that matter for your plans.
Your mortgage, in focus
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Rates checked
A daily checked snapshot from interest.co.nz covering seven lenders. Rates are percentages per year (p.a.) and may change after this check.
Lowest listed rates by term
TSB Bank · Special LVR <80%
BNZ · Standard / Co-operative Bank · Owner Occupied
Westpac · Special LVR < 80%
Across the general home-loan products below, before filtering. Special-rate eligibility still applies. First-home-only, renovation, energy, offset and other restricted-purpose products are excluded from these four summaries.
Showing 104 advertised rates
| Lender | Term | Rate | Product | Checked |
|---|---|---|---|---|
| ANZ | 3 years | 1.00% p.a. | Good Energy - Up to $80KSpecific product conditions apply | |
| ANZ | 3 years | 2.50% p.a. | Reno loan - Up to $50KSpecific product conditions apply | |
| ANZ | 6 months | 4.79% p.a. | Special LVR under 80% | |
| ANZ | 1 year | 4.99% p.a. | Special LVR under 80% | |
| ANZ | 18 months | 5.45% p.a. | Special LVR under 80% | |
| ANZ | 2 years | 5.49% p.a. | Special LVR under 80% | |
| ANZ | 3 years | 5.59% p.a. | Special LVR under 80% | |
| ANZ | Floating | 6.29% p.a. | Standard | |
| ANZ | 6 months | 5.39% p.a. | Standard | |
| ANZ | 1 year | 5.59% p.a. | Standard | |
| ANZ | 18 months | 6.05% p.a. | Standard | |
| ANZ | 2 years | 6.09% p.a. | Standard | |
| ANZ | 3 years | 6.19% p.a. | Standard | |
| ANZ | 4 years | 6.39% p.a. | Standard | |
| ANZ | 5 years | 6.49% p.a. | Standard | |
| ASB | 3 years | 1.00% p.a. | Better Homes Top UpSpecific product conditions apply | |
| ASB | Floating | 6.29% p.a. | Standard | |
| ASB | 6 months | 4.79% p.a. | Standard | |
| ASB | 1 year | 4.99% p.a. | Standard | |
| ASB | 18 months | 5.35% p.a. | Standard | |
| ASB | 2 years | 5.45% p.a. | Standard | |
| ASB | 3 years | 5.45% p.a. | Standard | |
| ASB | 4 years | 5.49% p.a. | Standard | |
| ASB | 5 years | 5.59% p.a. | Standard | |
| BNZ | 3 years | 1.00% p.a. | Better Future Home LoanSpecific product conditions apply | |
| BNZ | Floating | 6.34% p.a. | Standard | |
| BNZ | 6 months | 4.89% p.a. | Standard | |
| BNZ | 1 year | 5.19% p.a. | Standard | |
| BNZ | 18 months | 5.29% p.a. | Standard | |
| BNZ | 2 years | 5.35% p.a. | Standard | |
| BNZ | 3 years | 5.59% p.a. | Standard | |
| BNZ | 4 years | 5.65% p.a. | Standard | |
| BNZ | 5 years | 5.75% p.a. | Standard | |
| BNZ | Floating | 6.44% p.a. | TotalMoneySpecific product conditions apply | |
| Co-operative Bank | 6 months | 4.69% p.a. | First Home Buyer SpecialSpecific product conditions apply | |
| Co-operative Bank | 1 year | 4.89% p.a. | First Home Buyer SpecialSpecific product conditions apply | |
| Co-operative Bank | 2 years | 5.35% p.a. | First Home Buyer SpecialSpecific product conditions apply | |
| Co-operative Bank | 3 years | 5.59% p.a. | First Home Buyer SpecialSpecific product conditions apply | |
| Co-operative Bank | 4 years | 5.79% p.a. | First Home Buyer SpecialSpecific product conditions apply | |
| Co-operative Bank | 5 years | 5.89% p.a. | First Home Buyer SpecialSpecific product conditions apply | |
| Co-operative Bank | Floating | 5.69% p.a. | Owner Occupied | |
| Co-operative Bank | 6 months | 4.79% p.a. | Owner Occupied | |
| Co-operative Bank | 1 year | 4.99% p.a. | Owner Occupied | |
| Co-operative Bank | 18 months | 5.29% p.a. | Owner Occupied | |
| Co-operative Bank | 2 years | 5.45% p.a. | Owner Occupied | |
| Co-operative Bank | 3 years | 5.69% p.a. | Owner Occupied | |
| Co-operative Bank | 4 years | 5.89% p.a. | Owner Occupied | |
| Co-operative Bank | 5 years | 5.99% p.a. | Owner Occupied | |
| Co-operative Bank | Floating | 5.69% p.a. | Standard | |
| Co-operative Bank | 6 months | 5.29% p.a. | Standard | |
| Co-operative Bank | 1 year | 5.49% p.a. | Standard | |
| Co-operative Bank | 18 months | 5.79% p.a. | Standard | |
| Co-operative Bank | 2 years | 5.95% p.a. | Standard | |
| Co-operative Bank | 3 years | 6.19% p.a. | Standard | |
| Co-operative Bank | 4 years | 6.39% p.a. | Standard | |
| Co-operative Bank | 5 years | 6.49% p.a. | Standard | |
| Kiwibank | Floating | 6.25% p.a. | Offset MortgageSpecific product conditions apply | |
| Kiwibank | 6 months | 4.75% p.a. | Special | |
| Kiwibank | 1 year | 4.95% p.a. | Special | |
| Kiwibank | 2 years | 5.39% p.a. | Special | |
| Kiwibank | 3 years | 5.49% p.a. | Special | |
| Kiwibank | 4 years | 5.59% p.a. | Special | |
| Kiwibank | 5 years | 5.69% p.a. | Special | |
| Kiwibank | Floating | 6.25% p.a. | Standard | |
| Kiwibank | 6 months | 5.65% p.a. | Standard | |
| Kiwibank | 1 year | 5.85% p.a. | Standard | |
| Kiwibank | 2 years | 6.29% p.a. | Standard | |
| Kiwibank | 3 years | 6.29% p.a. | Standard | |
| Kiwibank | 4 years | 6.29% p.a. | Standard | |
| Kiwibank | 5 years | 6.39% p.a. | Standard | |
| TSB Bank | Floating | 6.29% p.a. | Special LVR <80% | |
| TSB Bank | 6 months | 4.79% p.a. | Special LVR <80% | |
| TSB Bank | 1 year | 4.85% p.a. | Special LVR <80% | |
| TSB Bank | 18 months | 5.35% p.a. | Special LVR <80% | |
| TSB Bank | 2 years | 5.49% p.a. | Special LVR <80% | |
| TSB Bank | 3 years | 5.69% p.a. | Special LVR <80% | |
| TSB Bank | 4 years | 5.89% p.a. | Special LVR <80% | |
| TSB Bank | 5 years | 5.99% p.a. | Special LVR <80% | |
| TSB Bank | Floating | 7.09% p.a. | Standard | |
| TSB Bank | 6 months | 5.59% p.a. | Standard | |
| TSB Bank | 1 year | 5.65% p.a. | Standard | |
| TSB Bank | 18 months | 6.15% p.a. | Standard | |
| TSB Bank | 2 years | 6.29% p.a. | Standard | |
| TSB Bank | 3 years | 6.49% p.a. | Standard | |
| TSB Bank | 4 years | 6.69% p.a. | Standard | |
| TSB Bank | 5 years | 6.79% p.a. | Standard | |
| Westpac | Floating | 6.49% p.a. | Choices EverydaySpecific product conditions apply | |
| Westpac | Floating | 6.39% p.a. | Choices OffsetSpecific product conditions apply | |
| Westpac | 5 years | 0.00% p.a. | Greater ChoicesSpecific product conditions apply | |
| Westpac | 6 months | 4.89% p.a. | Special LVR < 80% | |
| Westpac | 1 year | 5.19% p.a. | Special LVR < 80% | |
| Westpac | 18 months | 5.45% p.a. | Special LVR < 80% | |
| Westpac | 2 years | 5.29% p.a. | Special LVR < 80% | |
| Westpac | 3 years | 5.59% p.a. | Special LVR < 80% | |
| Westpac | 4 years | 5.65% p.a. | Special LVR < 80% | |
| Westpac | 5 years | 5.75% p.a. | Special LVR < 80% | |
| Westpac | Floating | 6.39% p.a. | Standard | |
| Westpac | 6 months | 5.49% p.a. | Standard | |
| Westpac | 1 year | 5.79% p.a. | Standard | |
| Westpac | 18 months | 6.05% p.a. | Standard | |
| Westpac | 2 years | 5.89% p.a. | Standard | |
| Westpac | 3 years | 6.19% p.a. | Standard | |
| Westpac | 4 years | 6.25% p.a. | Standard | |
| Westpac | 5 years | 6.35% p.a. | Standard |
No rates match these filters. Try another term or lender.
Compare the conditions as well as the rate
These are indicative advertised rates, not personalised offers or guaranteed approvals. Special rates may require a minimum deposit or equity, an owner-occupied property, or other lender conditions. LVR means loan-to-value ratio: the loan as a share of the property's value.
Low-rate renovation and energy products have separate purposes, limits and eligibility; they are not rates for an entire ordinary home loan. Confirm availability, fees, repayment restrictions and the rate you qualify for with the lender or a CorePath adviser. This page is a checked snapshot, not a live rate feed.
View the source comparison at interest.co.nz →Fixed rates
The interest rate stays the same for the agreed fixed period. Check extra-repayment limits and any cost of breaking the fixed period early.
Floating rates
The rate can move up or down. Floating loans generally offer more repayment flexibility, but your required payments can change.
Look beyond the headline rate.
Compare loan structures, eligibility and total costs with a CorePath Financial adviser.