Live Rates

Mortgage Rates Comparison

Compare mortgage rates across all major NZ banks and lenders. Updated hourly.

Institutions

Lowest Rate

4.49%

Products

Last Updated

5 Apr 2026, 03:11 pm

Lowest Rate

ANZ

Special

1 Year

4.59%

Get Started

Variable—

6 Months4.49%

1 Year4.59%

18 Months4.89%

2 Years5.09%

3 Years5.39%

4 Years—

5 Years—

Lowest Rate

Kiwibank

Special

1 Year

4.59%

Get Started

Variable—

6 Months4.49%

1 Year4.59%

18 Months—

2 Years5.09%

3 Years5.45%

4 Years5.79%

5 Years5.89%

Lowest Rate

Westpac

Special

1 Year

4.59%

Get Started

Variable—

6 Months4.49%

1 Year4.59%

18 Months4.85%

2 Years5.19%

3 Years5.29%

4 Years5.39%

5 Years5.59%

Rates shown are indicative only and not guaranteed to be accurate. For the most up-to-date rates, please check directly with the provider.