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Home Loan Rates in New Zealand – January 2025
| Bank | 1-Year Fixed Rate | 2-Year Fixed Rate | 5-Year Fixed Rate |
|---|---|---|---|
| ANZ | 5.79% | 5.59% | 6.19% |
| ASB | 5.59% | 5.49% | 5.79% |
| BNZ | 5.79% | 5.59% | 5.89% |
| Kiwibank | 5.79% | 5.59% | 5.89% |
| Westpac | 5.79% | 5.49% | 5.59% |
These rates reflect the banks’ ‘special’ offers, which typically require certain conditions to be met, such as a minimum equity percentage or having a transaction account with the bank.It’s advisable to consult directly with the respective banks or a mortgage advisor to understand the specific terms and eligibility criteria associated with these rates. For detailed and up-to-date information on mortgage rates from a broader range of lenders, including finance companies and credit unions, you can refer to the Reserve Bank of New Zealand’s statistics on new residential mortgage special interest rates.
Additionally, platforms like Canstar provide comprehensive comparisons of mortgage rates across various lenders in New Zealand. Please note that mortgage rates are subject to change, and it’s essential to verify the current rates and terms directly with the lenders.