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View Current Market Interest Rates Newsletter Signup Institution Product Variable Floating 6 mts 12 mts 24 mts 36 mts 48 mts 60 mts ANZ Standard 10.95 9.75 9.40 9.20 9.10 9.10 9.10     30 mths = 9.20 ANZ Residential Investment 10.95 9.75 9.40 9.20 9.10 9.10 9.10 Bank of New Zealand Classic       9.19       Bank of New Zealand TotalMoney 10.49             Bank of New Zealand Standard & Fly Buys 10.95 9.79 9.49 9.29 9.09 9.19 9.19 Bank of New Zealand Global Plus 10.95 9.89 9.59 9.39 9.19 9.29 9.29     18 mths = 9.29 ASB Residential 10.75 9.75 9.40 9.20 9.15 9.10 9.10     18 mths = 9.20 ASB Residential Low Doc 10.75 9.75 9.40 9.20 9.15 9.10 9.10 National 10.95 9.75 9.40 9.20 9.10 9.10 9.10     30 mths = 9.20 Westpac 10.95 9.75 9.45 9.18 9.25 9.25 9.25     30 mths = 9.30 21 mths = 9.45 Westpac Capped     10.69         Sovereign Std Go & Go First >$275,000 10.60 9.70 9.35 9.15 9.10 9.05 9.05 Sovereign Go Low-Doc <$275,000 10.70 9.80 9.45 9.25 9.20 9.15 9.15 Sovereign Std Go & Go First <$275,000 10.70 9.80 9.45 9.25 9.20 9.15 9.15 Sovereign Go Low-Doc >$275,000 10.60 9.70 9.35 9.15 9.10 9.05 9.05 HSBC Standard (conditions apply) 10.45* 9.70 9.65 9.40 9.40 9.30 9.30 HSBC Home Smart Intro 9.70             Public Trust Residential 10.45   9.40 9.20 9.10 9.10 9.10 TSB Special - loans > $150,000     9.29 8.98       TSB Standard, from 10.50 9.75 9.45 9.18 9.25 9.25 9.25 Pacific Home Loans $200K min, new business only                   20 mths = 9.41 30 mths = 9.26 Pacific Home Loans Prime / Prime Express 10.10   9.70 9.51 9.50 9.30 9.24 Kiwibank Adaptor (Lo Doc 70) 10.45 10.00 9.65 9.24 9.30 9.30 9.30 Kiwibank Auckland Home Show Special       8.80       Kiwibank = with at least 20% equity       8.99       Kiwibank 10.20 9.75 9.40 9.19 9.05 9.05 9.05 Kiwibank Adaptor (Lo Doc 80) 10.45 10.00 10.65 9.44 9.30 9.30 9.30 Kookmin 10.75   9.65 9.40       CBS Canterbury Residential 10.65 9.75 9.40 9.20 9.10     CBS Canterbury Everyday Gold 10.65             HBS Building Society 10.65   9.95 9.65 9.40 9.30 9.30 Heretaunga Building 10.95   9.90 9.60       Loan and Building Society Residential 10.50 9.70 9.70 9.40 9.45     Loan and Building Society Commerecial 10.85             Loan and Building Society Rural 10.65             Napier Building Society Residential 9.50             Napier Building Society Rural and Commercial 10.00             Nelson Building Society 10.80   9.65 9.40       Southern Cross Building Society Residential 10.20   9.40 9.20 9.15     Southern Cross Building Society Residential investment 10.20   9.40 9.20 9.15     S B S Residential 10.75 9.75 9.40 9.20 9.10   9.10 Wairarapa Building Society 10.49   9.40 9.25 9.25 9.25 9.25 Credit Union Baywide 10.70   9.75 9.45 9.35     Credit Union Canterbury 10.05   9.80 9.40 9.25   9.30 Credit Union Central 10.45   9.50 9.20 9.35   9.60 Credit Union Forestland 10.55   9.60 9.35 9.15   8.80 Credit Union Hamilton 8.85             Credit Union Health (BOP) 10.65   9.95 9.60 9.55   9.55 Credit Union Mt. Maunganui 9.75   9.05 9.05       Credit Union Otago 10.35   9.20 9.10 8.90   8.90 Credit Union Southland 10.40   9.50 9.20 9.35   9.60 Credit Union Taranaki 10.45   9.55 9.25 9.40   9.65 Credit Union Waikato 10.55   9.70 9.40 9.20     Manchester Unity 9.25             United Credit Union 9.00 9.50 9.50 9.40     9.40 Wine Country Credit Union 10.98             Argosy Property Standard 10.04   10.14 9.54 9.69 9.64 9.54 Argosy Property FastDoc 80 10.04   10.14 9.54 9.69 9.64 9.54 Finance Discounted Introductory variable 8.63             Finance Mortgage Buster 9.45   9.06 8.90 8.95   8.88 Finance EasyDoc 80 9.93   9.54 9.38 9.43   9.36 Asset Finance Standard 10.55   10.35 9.95 9.90   10.60 Asset Finance Fast Doc ≤80% LVR 10.55   10.35 9.95 9.90   10.60 Asset Finance Fast Doc ≤70% LVR 10.85   10.65 10.25 10.20   10.60 Axis Finance Standard 10.95   9.60 9.35 9.45   9.85 Axis Finance No Financials 11.25   9.95 9.75 9.87   10.35 Axis Finance Non Conforming 12.95   10.97 10.85 11.10   11.20 Bluestone Clean Slate 11.69       10.71     Bluestone BusinessEasy 12.19       11.39     Bluestone Lo-Doc ≤80% LVR 11.12       10.42     Bluestone Lite Blue 11.81       10.83     Bluestone Commercial (LVR ≤70%, clear credit) 11.39       11.14     Bluestone Non-conforming products - Clear credit, ≤70% LVR; first year 1% discount, if LVR > 75%               Cairns Lockie Residential 10.65   9.78 9.44 9.54   9.79 Cairns Lockie No Financials 11.55   10.68 10.34 10.44   10.44 eMortgage Residential 10.65   9.78 9.44 9.54   9.79 Finance Direct Freestyle 10.25 9.75 9.40 9.40 9.45 9.45 9.35 GEM Home Loans 10.75   10.10 10.75 9.90     GEM Home Loans Equity 80 11.35   10.70 10.35 10.50   10.75 GEM Home Loans Low Doc Special 9.80     9.49     9.30 GE Money Prime Low Doc 80 11.45   10.25 9.85 9.90     GE Money Prime Standard 10.85   9.65 9.25 9.30     GE Money Prime Low Doc 70 11.45   10.25 9.85 9.90     General Finance Standard, Option A 11.00   9.87 9.51 9.60   9.85 General Finance No Financials option B 11.00   10.17 9.91 9.95 10.06 10.10 General Finance No Financials option C 11.10   10.40 10.20 10.10 10.10 10.10 General Finance 100% home loan               Global Home Loans Residential 10.75   9.84 9.54 9.69   9.94 Global Home Loans Fast Doc 11.54   10.53 10.23 10.38   10.63 Headstart Home Loans 9.99     9.99 9.95   9.80 Hibernian Home Equity 9.75             Hibernian Standard 9.75             Housing NZ Corp Low deposit rural program             9.35 Housing NZ Corp 10.45   9.40 9.40 9.20     Lending Choice Super Choice 8.49   9.29 9.00 8.81 8.70 8.62 Lending Choice Easy Choice Intro 7.75             Lending Choice No Financials 80 8.99             Medical Assurance Society 10.45 9.75 9.40 9.20 9.10 9.10 9.10     18 mths = 9.30 Mascot Finance Standard 9.75 9.20 9.20 9.15 8.90 9.00 8.95 Mascot Finance Non Standard / Low Start 10.00 9.45 9.45         Mascot Finance Special 9.50             Mascot Finance Freedom Low Doc 9.95   9.45 9.40 9.30 9.20 9.10 Mascot Finance Low Doc Special 9.70             Mascot Finance Non-Conforming 11.15   11.10 11.00 10.90 10.80 10.70 Mascot Finance No Financials 80 10.00 9.45 9.45 9.40 9.15 9.25 9.20 Mascot Finance Freedom Standard 9.75   9.35 9.30 9.20 9.10 9.00 Mascot Finance Freedom 100 10.20     10.05 9.95     Mascot Finance Near Prime 10.65   10.60 10.50 10.40 10.30 10.20 NZ Home Loans Standard 10.70 9.80 9.45 9.25 9.20   9.15 NZ Home Loans > $275,000 10.60 9.70 9.35 9.15 9.10   9.05 NZ Mortgage Funds LowStart(reverts to Variable) 9.48 7.98 8.78         NZ Mortgage Funds Standard 10.10   9.56 8.99 8.99   9.17 NZ Mortgage Funds No Financials 10.40   9.86 9.29 9.29   947.00 No Nonsense Turbo Doc 9.79     9.79 9.60   9.39 No Nonsense Fully Verified 10.20     10.15 10.15   9.90 No Nonsense Low Doc 10.30     10.25 10.10   9.80 No Nonsense No Doc 10.05     9.99 9.85   9.55 Pioneer LinkTerm Loan 10.65   10.60 10.40 10.30 10.10 10.10 Pioneer Swift Fastdoc 80 11.35   10.35 10.05 10.20   10.65 Pioneer Swift 10.75   9.75 9.45 9.60   10.05 Pioneer Swift Fastdoc 70 11.35   10.35 10.05 10.20   10.65 Premier Mortgages Standard 10.40   10.10 9.77 9.62   9.56 Premier Mortgages Non Standard 10.85   11.00 10.62 10.47   10.31 Premier Mortgages Non Standard Special 11.25   11.05 10.72 10.57   10.51 Silver Ferm Mortgages 9.80 9.60 9.60 9.35 9.15 9.05 8.95 Silver Ferm Mortgages No financials 11.10   10.95 10.90 10.85 10.75 10.70 Tasman Mortgages Standard 10.47   10.57 10.37 10.22   10.92 Tasman Mortgages Fastdoc 80 10.77   10.87 10.67 10.52   11.22 United Home Loans Residential Prime 10.25   9.95 9.69 9.60 9.40 9.34 United Home Loans Residential Standard 10.72   9.87 9.57 9.72   10.17 United Home Loans Fastdoc Express 10.35   10.05 9.79 9.70 9.50 9.44 United Home Loans Fastdoc 10.32   10.47 10.17 10.32   10.77 United Home Loans New customers only                   30 mths = 9.56 20 mths = 9.69 Westland Mortgates Full Doc 9.49   9.96 9.85 9.85 9.72 9.36 Westland Mortgates Lo Doc 9.80   10.21 10.10 10.10 9.97 9.61 Westland Mortgates Discounted (reverts to Variable) 9.49 7.49 8.49         Westland Mortgates Easy Doc 9.75   10.21 10.10 10.10 9.97 9.61 Westland Mortgates Non Genuine Savings 9.65   9.96 9.85 9.85 9.72 9.36 Wizard Home Loans FastDoc 11.26   10.25 9.85 9.90     Wizard Home Loans Smart Choice 10.66   9.65 9.25 9.30     Wizard Home Loans Flexi-fixed 50 (max 50% fixed) 10.66   9.35 8.95       Wizard Home Loans Flexi-fixed 75 (max 75% fixed) 10.66   9.45 9.05 9.10     Asteron No Financials 70 11.60   10.30 10.00 10.15   10.40 Asteron No Financials 80 11.40   10.10 9.80 9.95   10.20 Asteron Standard 10.80   9.50 9.20 9.35   9.60 AXA Residential 10.45 9.95 9.85 9.50 9.20 9.05 8.95     18 mths = 9.70 Fidelity Life Residential 10.40             Fidelity Life Commercial 11.40             Auckland Mortgage Trust Residential Rental 11.20             Auckland Mortgage Trust Rural or Commercial 11.45             Auckland Mortgage Trust Residential 10.70             Capital Mortgage Income Trust Residential 11.50             Capital Mortgage Income Trust Residential Rental 11.75             Capital Mortgage Income Trust Commercial and Rural 12.25             Canterbury Mortgage Trust Residential and Rural 11.25             Canterbury Mortgage Trust Commercial 11.50             First Mortgage Trust Residential 11.75             First Mortgage Trust Commercial and Rural 11.75             Midland Mortgage Trust Residential 10.95             Midland Mortgage Trust Commercial 11.50             Midland Mortgage Trust Rural 11.00             NZ Mortgage Income Trust Owner occupied 11.25             NZ Mortgage Income Trust Residential Rental 11.50             NZ Mortgage Income Trust Commercial 11.50             NZ Mortgage Income Trust Rural 11.25             NZ Guardian Trust Rural and Commercial 11.10   10.90 10.80 10.75     NZ Guardian Trust Residential 11.50   10.95   10.85     Perpetual Trust Rural 11.00             Perpetual Trust Commercial 11.25             Perpetual Trust Residential 10.95             Trustees Executors Commercial 10.50             Trustees Executors Residential 11.40             Bluestone EQUITYtap Installment or combination 10.74 10.64 10.64 10.64 10.64 10.64   Bluestone EQUITYtap 100% Lump sum 10.64             Bluestone EQUITYtap Ready Access 10.74     10.64 10.64 10.64   Dorchester Life Home Equity Release™ Loan 11.25           10.75 Property Finance Securities Lifestyle Security 11.27             Savings & Loans Golden Equity 11.81             Sentinel Lifetime Loan 11.75           10.95 Smart Retire Smart Retire 11.29           10.49 AMP Home Loans Standard <$200,000 10.95 9.80 9.45 9.25 9.15 9.15 9.15 AMP Home Loans Priority >$200,000 10.80 9.65 9.30 9.10 9.00 9.00 9.00 AMP Home Loans Lo-Doc Std <$200,000 11.15 10.00 9.65 9.45 9.35 9.35 9.35 AMP Home Loans Lo-Doc Priority >$200,000 11.00 9.85 9.55 9.30 9.20 9.20 9.20 Police & Families Credit Union 9.75   9.20 9.20       PSIS Discounted 10.10             PSIS 10.60 9.75 9.40 9.20 9.10 9.10   American Express 10.00 9.15 9.15 9.00 8.95   8.80     18 mths = 9.10 AA Prime 9.75   9.30 9.25 9.15 9.10 8.95     20 mths = 9.15 30 mths = 8.99 Arthur Barnett Low Doc Special 9.70             Arthur Barnett Freedom Low Doc 9.95   9.45 9.40 9.30 9.20 9.10 Arthur Barnett Freedom Standard 9.75   9.35 9.30 9.20 9.10 9.00 Arthur Barnett Special 9.50             Arthur Barnett Near Prime 10.65   10.60 10.50 10.40 10.30 10.20 Arthur Barnett Freedom 100 10.20     10.05 9.95     Arthur Barnett Non-Conforming 11.15   11.10 11.00 10.90 10.80 10.70 BankDirect 10.45 9.65 9.30 9.10 9.05   9.00     18 mths = 9.50 Almo Mortgage Buster 9.70   9.47 9.30 9.20   9.23 Almo EasyDoc 80 9.88   9.65 9.48 9.38   9.41 Geneva Finance Prime 9.75   9.30 9.25 9.15 9.10 8.95     20 mths = 9.15 30 mths = 8.99 Mortgage Finance Non Standard / Low Start[ 10.00 9.45 9.45         Mortgage Finance Standard 9.75 9.20 9.20 9.15 8.90 9.00 8.95 Mortgage Finance No Financials 80 10.00 9.45 9.45 9.40 9.15 9.25 9.20 New Zealand Finance Freedom Standard 10.25 9.95 9.80 9.50 9.40 9.35 9.35 New Zealand Finance Near Prime Verified, from 11.65   11.65 11.50 11.40 11.25 11.15 New Zealand Finance Near Prime Low Doc 12.40   12.40 12.25 12.15 12.00 11.90 New Zealand Finance Freedom Low Doc 10.75 10.45 10.30 10.00 9.90 9.85 9.85 New Zealand Finance Freedom 100 10.70     10.55 10.40     Eagle Pacific     11.70 12.00 11.80     NZCU North 10.70   9.50 9.30 9.25   9.25 First Credit Union 9.35             NZMFG Home Loans Standard 10.60   10.85 10.65 10.55 10.35 10.35 Presto Mortgages Lo Doc 11.34   10.39 10.09 10.25   10.70 Presto Mortgages Prime 10.48   9.63 9.33 9.48   9.93 *Conditions Apply

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