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.

ANZ

Institution	Product	Variable floating	6 months	1 year	2 years	3 years	4 years	5 years
ANZ	Standard	8.39	7.39	7.34	7.09	6.59	7.19	7.09
ANZ	Standard 18 months	7.29
ANZ	Special LVR under 80% 18 months	6.69
ANZ	Blueprint to Build	5.63
ANZ	Good Energy – Up to $80K					1.00

BNZ

Institution	Product	Variable Floating Rate	6 Months	1 Year	2 Years	3 Years	4 Years	5 Years
BNZ	Special – Classic	6.84	6.74	6.49	5.99	6.19	6.29
	Special – Classic	18 months = 6.69
	TotalMoney	8.14
	Std & Flybuys	8.14	7.44	7.34	7.09	6.59	6.79	6.89
	Std & Flybuys	18 months = 7.29
	Green Home Loan top-ups					1.00

ASB

Institution	Product	Variable Floating	6 months	1 year	2 years	3 years	4 years	5 years
ASB	Standard	8.39	6.89	6.79	6.59	6.49	6.39	6.29
ASB	Standard (18 months)	6.69	–	–	–	–	–	–
ASB	Better Homes Top Up	–	–	–	–	–	–	–
ASB	Good Energy – Up to $80K		–	–	–	1.00	–	–

Heartland Bank

Bank	Product	Variable	6 months	1 year	2 years	3 years	4 years	5 years
Heartland Bank	Residential	7.49		6.14	5.99	5.95
Residential	18 months = 6.15
Reverse Mortgage		9.50

Kiwibank

Institution	Product	Variable	floating	6 months	1 year	2 years	3 years	4 years	5 years
Kiwibank	Standard	8.25	7.75	7.65	7.59	7.19	7.19	7.19	7.19
Kiwibank	Special		6.75	6.65	6.59	6.29	6.29	6.29	6.29
Kiwibank	Offset Mortgage	8.25

SBS Bank

Bank Name	Loan Type	1 Year Fixed	18 Months Fixed	2 Years Fixed	3 Years Fixed	4 Years Fixed	5 Years Fixed	Special
SBS Bank	Residential	8.49	7.34	7.29	7.09	6.79	7.09	7.19
	Special	6.79	6.84	6.79	6.59	6.29	6.59
	First Home Combo	5.79
	Construction lending for FHB	5.94
	Unwind reverse equity	9.00

TSB Bank

Bank Name	Type	Rate (%)	6 months	1 year	18 months	2 years	3 years	4 years
TSB Bank	Standard	9.19	7.49	7.49	7.29	7.39	7.39	7.29
TSB Bank	Standard (18 months)	–	–	–	7.49	–	–	–
TSB Bank	Special LVR <80%	8.39	6.69	6.69	6.49	6.59	6.59	6.49
TSB Bank	Special LVR <80% (18 months)	–	–	–	6.69	–	–	–

Westpac

Bank	Type	Rate	6 months	1 year	18 months	2 years	3 years	4 years	5 years
Westpac	Standard	8.39	7.49	7.39	7.19	6.59	6.59	6.59	–
Westpac	Standard (18mths)	7.29	–	–	7.29	–	–	–	–
Westpac	Special LVR <80%	–	6.89	6.79	6.59	5.99	5.99	5.99	–
Westpac	Special LVR <80% (18mths)	–	–	–	6.69	–	–	–	–
Westpac	Choices Offset	8.39	–	–	–	–	–	–	–
Westpac	Choices Everyday	8.49	–	–	–	–	–	–	–