6 Months
4.79%
ANZ
Explore NZ Rates
Last updated 3 October 2026 at 6:37 am
Explore current home loan rates across major New Zealand banks, updated daily for general information.
What changed
Last updated 3 October 2026 at 6:37 am
- Banks increased rates: TSB Bank on 6 terms.
- Banks reduced rates: ANZ on 4 terms, TSB Bank on 2 terms.
- 116 special or standard rates remained unchanged.
Lowest rates available today
Special rates require 20% equity. Conditions may apply.
1 Year
4.99%
ANZ
18 Months
5.29%
ANZ
2 Years
5.29%
Westpac
3 Years
5.44%
SBS Bank
4 Years
5.49%
ASB
5 Years
5.49%
SBS Bank
Floating
6.29%
ASB
What changed
Only changed special and standard mortgage rates are shown here.
ANZ
Special
18 Months
5.45% to 5.29%
ANZ
Special
2 Years
5.49% to 5.35%
ANZ
Standard
18 Months
6.05% to 5.89%
ANZ
Standard
2 Years
6.09% to 5.95%
TSB Bank
Special
6 Months
4.79% to 4.89%
TSB Bank
Special
1 Year
4.85% to 5.19%
TSB Bank
Special
18 Months
5.35% to 5.45%
TSB Bank
Special
2 Years
5.49% to 5.39%
TSB Bank
Standard
6 Months
5.59% to 5.69%
TSB Bank
Standard
1 Year
5.65% to 5.99%
TSB Bank
Standard
18 Months
6.15% to 6.25%
TSB Bank
Standard
2 Years
6.29% to 6.19%
| Bank | Rate Type | Term | From | To | Change |
|---|---|---|---|---|---|
| Special | 18 Months | 5.45% | 5.29% | ↓ -0.16% |
| Special | 2 Years | 5.49% | 5.35% | ↓ -0.14% |
| Standard | 18 Months | 6.05% | 5.89% | ↓ -0.16% |
| Standard | 2 Years | 6.09% | 5.95% | ↓ -0.14% |
| Special | 6 Months | 4.79% | 4.89% | ↑ +0.10% |
| Special | 1 Year | 4.85% | 5.19% | ↑ +0.34% |
| Special | 18 Months | 5.35% | 5.45% | ↑ +0.10% |
| Special | 2 Years | 5.49% | 5.39% | ↓ -0.10% |
| Standard | 6 Months | 5.59% | 5.69% | ↑ +0.10% |
| Standard | 1 Year | 5.65% | 5.99% | ↑ +0.34% |
| Standard | 18 Months | 6.15% | 6.25% | ↑ +0.10% |
| Standard | 2 Years | 6.29% | 6.19% | ↓ -0.10% |
Special Rates
20% equity required. Conditions may apply.
| Bank | 6mo | 1yr | 18mo | 2yr | 3yr | 4yr | 5yr | Floating |
|---|---|---|---|---|---|---|---|---|
| 4.79% | 4.99% | 5.29%↓ -0.16% | 5.35%↓ -0.14% | 5.59% | - | - | - |
 | 4.79% | 4.99% | 5.35% | 5.45% | 5.45% | 5.49% | 5.59% | 6.29% |
 | 4.89% | 5.19% | 5.29% | 5.35% | 5.59% | 5.65% | 5.75% | 6.34% |
 | 4.89% | 5.19% | 5.45% | 5.29% | 5.59% | 5.65% | 5.75% | - |
 | 4.85% | 5.15% | - | 5.39% | 5.59% | 5.79% | 5.89% | - |
 | 4.79% | 5.09% | - | 5.39% | 5.59% | 5.79% | 5.89% | - |
 | 4.79% | 4.99% | 5.29% | 5.44% | 5.44% | 5.49% | 5.49% | - |
| 4.89%↑ +0.10% | 5.19%↑ +0.34% | 5.45%↑ +0.10% | 5.39%↓ -0.10% | 5.69% | 5.89% | 5.99% | 6.29% |
Green Energy Rates
Bank-specific green or energy-efficiency offers, including renamed products.
| Bank | 6mo | 1yr | 18mo | 2yr | 3yr | 4yr | 5yr | Floating |
|---|---|---|---|---|---|---|---|---|
ANZGood EnergyUp to $80K | - | - | - | - | 1.00% | - | - | - |
ASBBetter Homes Top Up | - | - | - | - | 1.00% | - | - | - |
BNZBetter Future Home Loan | - | - | - | - | 1.00% | - | - | - |
WestpacGreater Choices | - | - | - | - | - | - | 0.00% | - |
Standard Rates
Indicative standard carded rates.
| Bank | 6mo | 1yr | 18mo | 2yr | 3yr | 4yr | 5yr | Floating |
|---|---|---|---|---|---|---|---|---|
| 5.39% | 5.59% | 5.89%↓ -0.16% | 5.95%↓ -0.14% | 6.19% | 6.39% | 6.49% | 6.29% |
| 4.79% | 4.99% | 5.35% | 5.45% | 5.45% | 5.49% | 5.59% | 6.29% |
| 4.89% | 5.19% | 5.29% | 5.35% | 5.59% | 5.65% | 5.75% | 6.34% |
| 5.49% | 5.79% | 6.05% | 5.89% | 6.19% | 6.25% | 6.35% | 6.39% |
| 5.75% | 6.05% | - | 6.29% | 6.39% | 6.49% | 6.59% | 6.25% |
| 5.39% | 5.69% | 5.85% | 5.99% | 6.19% | 6.39% | 6.49% | 5.69% |
| 5.39% | 5.59% | 5.89% | 6.04% | 6.04% | 6.09% | 6.09% | 6.34% |
| 5.69%↑ +0.10% | 5.99%↑ +0.34% | 6.25%↑ +0.10% | 6.19%↓ -0.10% | 6.49% | 6.69% | 6.79% | 7.09% |
Important Disclaimer
MoneyWise rate pages are educational and informational tools only and do not provide financial advice. Any rates, calculations, and projections shown are indicative estimates and may not reflect current lender offers, fees, eligibility criteria, or lending terms. Information may come from publicly available sources and can change without notice. Before making financial decisions, please confirm details directly with the relevant provider and seek advice from a qualified financial professional where appropriate.