Current Mortgage Interest Rates
We’ve got our fingers on the pulse.
Stay up to date with the latest mortgage interest rates so you can make informed decisions. Whether you’re locking in a fixed term or reviewing your options, we’ll help you find the most competitive deal.
Check current ratesCurrent Mortgage Interest Rates
Disclaimer: The interest rates shown apply solely to residential home loans with a minimum of 20% equity. Every effort has been made to ensure the accuracy of the information in the table; however, we strongly recommend confirming loan details with a mortgage adviser.
| Last Updated: 5 November 2026, 10:46:29 AM |
variable | 6 months | 1 year | 18 months | 2 years | 3 years | 4 years | 5 years | |
|---|---|---|---|---|---|---|---|---|---|
| ANZ | 6.29 | 4.79 | 4.99 | 5.29 | 5.35 | 5.59 | 6.39 | 6.49 | |
| ASB | 6.29 | 4.79 | 4.99 | 5.29 | 5.35 | 5.59 | 5.65 | 5.75 | |
| BNZ | 6.34 | 4.79 | 4.99 | 5.29 | 5.35 | 5.59 | 5.65 | 5.75 | |
| Co-operative Bank | 5.69 | 4.89 | 4.99 | 5.35 | 5.49 | 5.69 | 5.89 | 5.99 | |
| Kiwibank | 6.25 | 4.85 | 5.15 | - | 5.39 | 5.59 | 5.79 | 5.89 | |
| SBS Bank | 6.34 | 4.79 | 4.99 | 5.29 | 5.29 | 5.59 | 5.65 | 5.75 | |
| TSB Bank | 6.29 | 4.89 | 4.99 | 5.45 | 5.39 | 5.69 | 5.89 | 5.99 | |
| Westpac | 6.39 | 4.89 | 5.19 | 5.19 | 5.29 | 5.59 | 5.65 | 5.75 | |
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