Welcome to our home loan rates , where you can find information about the current variable floating rates and fixed-term rates offered by various banks and building societies. Buying a house is a significant financial decision, and finding the right home loan with a suitable interest rate can make all the difference. We provide an overview of the different rates offered by different institutions, allowing you to compare and make an informed decision about your home loan. Whether you are a first-time homebuyer, looking to refinance your existing loan, or interested in building your dream home, We can help you find the right loan for your needs.


InstitutionProductVariable floating6 months1 year2 years3 years4 years5 years
ANZStandard 18 months7.29
ANZSpecial LVR under 80% 18 months6.69
ANZBlueprint to Build5.63
ANZGood Energy – Up to $80K1.00


InstitutionProductVariable Floating Rate6 Months1 Year2 Years3 Years4 Years5 Years
BNZSpecial – Classic6.846.746.495.996.196.29
Special – Classic18 months = 6.69
Std & Flybuys8.147.447.347.096.596.796.89
Std & Flybuys18 months = 7.29
Green Home Loan top-ups1.00


InstitutionProductVariable Floating6 months1 year2 years3 years4 years5 years
ASBStandard (18 months)6.69
ASBBetter Homes Top Up
ASBGood Energy – Up to $80K1.00

Heartland Bank

BankProductVariable6 months1 year2 years3 years4 years5 years
Heartland BankResidential7.496.145.995.95
Residential18 months = 6.15
Reverse Mortgage9.50


InstitutionProductVariablefloating6 months1 year2 years3 years4 years5 years
KiwibankOffset Mortgage8.25

SBS Bank

Bank NameLoan Type1 Year Fixed18 Months Fixed2 Years Fixed3 Years Fixed4 Years Fixed5 Years FixedSpecial
SBS BankResidential8.497.347.297.096.797.097.19
First Home Combo5.79
Construction lending for FHB5.94
Unwind reverse equity9.00

TSB Bank

Bank NameTypeRate (%)6 months1 year18 months2 years3 years4 years
TSB BankStandard9.197.497.497.297.397.397.29
TSB BankStandard (18 months)7.49
TSB BankSpecial LVR <80%8.396.696.696.496.596.596.49
TSB BankSpecial LVR <80% (18 months)6.69


BankTypeRate6 months1 year18 months2 years3 years4 years5 years
WestpacStandard (18mths)7.297.29
WestpacSpecial LVR <80%6.896.796.595.995.995.99
WestpacSpecial LVR <80% (18mths)6.69
WestpacChoices Offset8.39
WestpacChoices Everyday8.49