ANZ Bank - Flexible
Home Loan • Personal • Last updated 22 May 2026 •
Visit website
|
Term
|
Rate
|
| Floating | 5.90% p.a. |
ANZ Bank - Good Energy Home Loan
Home Loan • Personal • Last updated 2 April 2026 •
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Top-up up to $80,000 for energy efficiency improvements
|
Term
|
Rate
|
| 3 Years | 1.00% p.a. |
ANZ Bank - Home Loan
Home Loan • Personal • Last updated 22 June 2026 •
Visit website
|
Term
|
Rate
|
| Floating | 5.79% p.a. |
| 6 Months | 5.29% p.a. |
| 1 Year | 5.39% p.a. |
| 2 Years | 6.09% p.a. |
| 3 Years | 6.29% p.a. |
| 4 Years | 6.39% p.a. |
| 5 Years | 6.49% p.a. |
ANZ Bank - Special Home Loan
Home Loan • Personal • Last updated 22 June 2026 •
Visit website
Minimum 20% equity and salary direct credited to an ANZ transaction account; not available with package discounts.
|
Term
|
Rate
|
| 6 Months | 4.69% p.a. |
| 1 Year | 4.79% p.a. |
| 2 Years | 5.49% p.a. |
| 3 Years | 5.69% p.a. |
ASB Bank - Better Homes Top Up
Home Loan • Personal • Last updated 2 April 2026 •
Visit website
Top-up for home energy efficiency improvements
|
Term
|
Rate
|
| 3 Years | 1.00% p.a. |
ASB Bank - Home Loan
Home Loan • Personal • Last updated 21 May 2026 •
Visit website
|
Term
|
Rate
|
| Floating | 5.79% p.a. |
| 6 Months | 4.49% p.a. |
| 1 Year | 4.65% p.a. |
| 2 Years | 5.25% p.a. |
| 3 Years | 5.49% p.a. |
| 4 Years | 5.69% p.a. |
| 5 Years | 5.89% p.a. |
ASB Bank - Orbit
Home Loan • Personal • Last updated 22 May 2026 •
Visit website
|
Term
|
Rate
|
| Floating | 5.89% p.a. |
Avanti Finance - Near Prime
Home Loan • Personal • Last updated 22 June 2026 •
Visit website
|
Term
|
Rate
|
| Floating | 6.35% p.a. |
Conditions: For borrowers with minor credit history issues. Base variable rate is indicative; actual rate is subject to individual assessment. High LVRs over 80% may have a margin of up to 1% applied.
Avanti Finance - Specialist
Home Loan • Personal • Last updated 22 June 2026 •
Visit website
|
Term
|
Rate
|
| Floating | 7.45% p.a. |
Conditions: For borrowers with more complex credit or income circumstances. Base variable rate is indicative; actual rate is subject to individual assessment. High LVRs over 80% may have a margin of up to 1% applied.
Bank of Baroda - Home Loan
Home Loan • Personal • Last updated 22 June 2026 •
Visit website
|
Term
|
Rate
|
| Floating | 7.24% p.a. |
| 6 Months | 4.49% p.a. |
| 1 Year | 4.69% p.a. |
| 2 Years | 5.29% p.a. |
Conditions: Terms, conditions, and lending criteria apply. Floating rate is Bank Base Lending Rate.
Bank of China - Home Loan
Home Loan • Personal • Last updated 21 May 2026 •
Visit website
|
Term
|
Rate
|
| Floating | 7.00% p.a. |
| 6 Months | 5.38% p.a. |
| 1 Year | 5.58% p.a. |
| 2 Years | 5.88% p.a. |
| 3 Years | 6.18% p.a. |
| 4 Years | 6.48% p.a. |
| 5 Years | 6.68% p.a. |
Bank of China - Special Home Loan
Home Loan • Personal • Last updated 21 May 2026 •
Visit website
|
Term
|
Rate
|
| Floating | 5.10% p.a. |
| 6 Months | 4.38% p.a. |
| 1 Year | 4.58% p.a. |
| 2 Years | 4.88% p.a. |
| 3 Years | 5.18% p.a. |
| 4 Years | 5.48% p.a. |
| 5 Years | 5.68% p.a. |
Basecorp Finance - Standard
Home Loan • Personal • Last updated 22 May 2026 •
Visit website
|
Term
|
Rate
|
| Floating | 6.35% p.a. |
Conditions: Rate shown is minimum; actual rate subject to individual assessment.
Bank of New Zealand - Better Future Home Loan
Home Loan • Personal • Last updated 2 April 2026 •
Visit website
Top-up for qualifying energy efficiency improvements
|
Term
|
Rate
|
| 3 Years | 1.00% p.a. |
Bank of New Zealand - Home Loan
Home Loan • Personal • Last updated 21 May 2026 •
Visit website
|
Term
|
Rate
|
| Floating | 5.84% p.a. |
| 6 Months | 4.49% p.a. |
| 1 Year | 4.65% p.a. |
| 2 Years | 5.19% p.a. |
| 3 Years | 5.39% p.a. |
| 4 Years | 5.59% p.a. |
| 5 Years | 5.79% p.a. |
Bank of New Zealand - Mortgage One
Home Loan • Personal • Last updated 22 May 2026 •
Visit website
|
Term
|
Rate
|
| Floating | 5.94% p.a. |
Bank of New Zealand - Rapid Repay
Home Loan • Personal • Last updated 22 May 2026 •
Visit website
|
Term
|
Rate
|
| Floating | 5.94% p.a. |
Bank of New Zealand - TotalMoney
Home Loan • Personal • Last updated 2 April 2026 •
Visit website
|
Term
|
Rate
|
| Floating | 5.94% p.a. |
CFML Loans - 321 Loans
Home Loan • Personal • Last updated 22 June 2026 •
Visit website
|
Term
|
Rate
|
| Floating | 3.95% p.a. |
Conditions: Subject to eligibility criteria. Verify conditions on CFML website.
CFML Loans - Prime Loans
Home Loan • Personal • Last updated 22 May 2026 •
Visit website
|
Term
|
Rate
|
| Floating | 6.25% p.a. |
CFML Loans - Prime 80 Loans
Home Loan • Personal • Last updated 22 May 2026 •
Visit website
LVR: 80%
|
Term
|
Rate
|
| Floating | 6.05% p.a. |
CFML Loans - Standard Loans
Home Loan • Personal • Last updated 22 May 2026 •
Visit website
|
Term
|
Rate
|
| Floating | 6.95% p.a. |
China Construction Bank - Home Loan
Home Loan • Personal • Last updated 22 June 2026 •
Visit website
|
Term
|
Rate
|
| Floating | 5.25% p.a. |
| 6 Months | 5.40% p.a. |
| 1 Year | 5.49% p.a. |
| 2 Years | 5.54% p.a. |
| 3 Years | 5.90% p.a. |
| 4 Years | 6.10% p.a. |
| 5 Years | 6.20% p.a. |
Conditions: Rates are subject to change. Maximum LVR is 80% for owner-occupied property and 70% for investment property.
China Construction Bank - Special Home Loan
Home Loan • Personal • Last updated 21 May 2026 •
Visit website
|
Term
|
Rate
|
| Floating | 5.25% p.a. |
| 6 Months | 4.40% p.a. |
| 1 Year | 4.49% p.a. |
| 2 Years | 4.54% p.a. |
| 3 Years | 4.90% p.a. |
| 4 Years | 5.10% p.a. |
| 5 Years | 5.20% p.a. |
The Co-operative Bank - First Home Buyer Special
Home Loan • Personal • Last updated 22 June 2026 •
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First home buyers with new lending from $250,000, owner-occupied security, and at least 20% equity; also available for Kainga Ora First Home Loans.
|
Term
|
Rate
|
| 1 Year | 4.69% p.a. |
The Co-operative Bank - Home Loan
Home Loan • Personal • Last updated 22 June 2026 •
Visit website
|
Term
|
Rate
|
| Floating | 4.99% p.a. |
| 6 Months | 5.09% p.a. |
| 1 Year | 5.29% p.a. |
| 2 Years | 5.89% p.a. |
| 3 Years | 6.15% p.a. |
| 4 Years | 6.35% p.a. |
| 5 Years | 6.49% p.a. |
The Co-operative Bank - Owner Occupied Home Loan
Home Loan • Personal • Last updated 22 June 2026 •
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Owner occupied with at least 20% equity, or eligible First Home Loan or Kainga Whenua Loan borrowers.
|
Term
|
Rate
|
| Floating | 4.99% p.a. |
| 6 Months | 4.59% p.a. |
| 1 Year | 4.79% p.a. |
| 2 Years | 5.39% p.a. |
| 3 Years | 5.65% p.a. |
| 4 Years | 5.85% p.a. |
| 5 Years | 5.99% p.a. |
The Co-operative Bank - Revolving Credit
Home Loan • Personal • Last updated 22 May 2026 •
Visit website
|
Term
|
Rate
|
| Floating | 4.99% p.a. |
First Credit Union - Home Loan
Home Loan • Personal • Last updated 22 June 2026 •
Visit website
Owner occupied home loans greater than 80% LVR.
|
Term
|
Rate
|
| Floating | 6.49% p.a. |
| 1 Year | 5.69% p.a. |
| 2 Years | 6.09% p.a. |
First Credit Union - Special Home Loan
Home Loan • Personal • Last updated 22 June 2026 •
Visit website
Owner occupied home loans less than 80% LVR.
|
Term
|
Rate
|
| Floating | 6.49% p.a. |
| 1 Year | 5.09% p.a. |
| 2 Years | 5.49% p.a. |
First Mortgage Trust - Development
Home Loan • Personal • Last updated 22 May 2026 •
Visit website
|
Term
|
Rate
|
| Floating | 7.50% p.a. |
Conditions: Rate shown is minimum; actual rate subject to individual assessment.
First Mortgage Trust - Standard
Home Loan • Personal • Last updated 22 May 2026 •
Visit website
|
Term
|
Rate
|
| Floating | 6.95% p.a. |
Conditions: Rate shown is minimum; actual rate subject to individual assessment.
General Finance - Line of Credit
Home Loan • Personal • Last updated 22 May 2026 •
Visit website
|
Term
|
Rate
|
| Floating | 7.25% p.a. |
General Finance - Short Term Bridging 1st Mortgages
Home Loan • Personal • Last updated 22 May 2026 •
Visit website
|
Term
|
Rate
|
| 6 Months | 6.99% p.a. |
| 1 Year | 6.99% p.a. |
| 2 Years | 6.99% p.a. |
| 3 Years | 6.99% p.a. |
Conditions: Short-term bridging finance secured by first mortgage. Rate shown is minimum; actual rate subject to individual assessment.
Heretaunga Building Society - Residential Home Loan
Home Loan • Personal • Last updated 22 June 2026 •
Visit website
|
Term
|
Rate
|
| Floating | 6.50% p.a. |
| 1 Year | 5.75% p.a. |
| 2 Years | 6.05% p.a. |
Conditions: No establishment fees for home loans; flexible terms available.
ICBC - Special Home Loan
Home Loan • Personal • Last updated 22 June 2026 •
Visit website
|
Term
|
Rate
|
| Floating | 5.39% p.a. |
| 6 Months | 4.39% p.a. |
| 1 Year | 4.49% p.a. |
| 2 Years | 4.99% p.a. |
| 3 Years | 5.15% p.a. |
| 4 Years | 5.45% p.a. |
| 5 Years | 5.65% p.a. |
Conditions: Rates are for reference, subject to change, and additional risk premiums may be added based on credit assessment conditions.
Kiwibank - Home Loan
Home Loan • Personal • Last updated 21 May 2026 •
Visit website
|
Term
|
Rate
|
| Floating | 5.75% p.a. |
| 6 Months | 5.39% p.a. |
| 1 Year | 5.65% p.a. |
| 2 Years | 6.19% p.a. |
| 3 Years | 6.35% p.a. |
| 4 Years | 6.59% p.a. |
| 5 Years | 6.69% p.a. |
Kiwibank - Offset Mortgage
Home Loan • Personal • Last updated 2 April 2026 •
Visit website
|
Term
|
Rate
|
| Floating | 5.75% p.a. |
Kiwibank - Revolving
Home Loan • Personal • Last updated 22 May 2026 •
Visit website
|
Term
|
Rate
|
| Floating | 5.80% p.a. |
Kiwibank - Special Home Loan
Home Loan • Personal • Last updated 21 May 2026 •
Visit website
|
Term
|
Rate
|
| 6 Months | 4.49% p.a. |
| 1 Year | 4.75% p.a. |
| 2 Years | 5.29% p.a. |
| 3 Years | 5.55% p.a. |
| 4 Years | 5.89% p.a. |
| 5 Years | 5.99% p.a. |
Liberty Financial - Residential
Home Loan • Personal • Last updated 22 June 2026 •
Visit website
LVR: 70%
|
Term
|
Rate
|
| Floating | 5.99% p.a. |
| 1 Year | 5.90% p.a. |
| 2 Years | 5.70% p.a. |
| 3 Years | 5.65% p.a. |
Conditions: Liberty Prime Residential rate tier for LVR up to 70%. Interest-only loans without Boost and vacant land security each attract a 0.25% rate loading.
Midlands Mortgage Trust - Commercial
Home Loan • Business • Last updated 22 June 2026 •
Visit website
|
Term
|
Rate
|
| Floating | 8.85% p.a. |
Midlands Mortgage Trust - Residential
Home Loan • Personal • Last updated 22 May 2026 •
Visit website
|
Term
|
Rate
|
| Floating | 8.60% p.a. |
Midlands Mortgage Trust - Rural
Home Loan • Personal • Last updated 22 June 2026 •
Visit website
|
Term
|
Rate
|
| Floating | 8.70% p.a. |
Nelson Building Society - Residential Home Loan
Home Loan • Personal • Last updated 22 May 2026 •
Visit website
|
Term
|
Rate
|
| Floating | 6.49% p.a. |
| 6 Months | 5.39% p.a. |
| 1 Year | 4.79% p.a. |
| 2 Years | 5.29% p.a. |
Nelson Building Society - Personal Flexi
Home Loan • Personal • Last updated 22 May 2026 •
Visit website
|
Term
|
Rate
|
| Floating | 6.99% p.a. |
Police Credit Union - Home Loan
Home Loan • Personal • Last updated 22 June 2026 •
Visit website
|
Term
|
Rate
|
| Floating | 5.19% p.a. |
| 6 Months | 4.49% p.a. |
| 1 Year | 4.65% p.a. |
| 2 Years | 5.25% p.a. |
Police Credit Union - Reverse Mortgage
Home Loan • Personal • Last updated 22 June 2026 •
Visit website
|
Term
|
Rate
|
| Floating | 7.25% p.a. |
Conditions: Reverse mortgage for members aged 67 and over; maximum borrowing is $100,000 or 20% of property value for ages 67-69, and $150,000 or 25% of property value for ages 70 and over.
Police Credit Union - Shared Ownership
Home Loan • Personal • Last updated 22 June 2026 •
Visit website
|
Term
|
Rate
|
| Floating | 5.19% p.a. |
| 6 Months | 5.09% p.a. |
| 1 Year | 5.25% p.a. |
| 2 Years | 5.85% p.a. |
Conditions: First Home TOGETHER scheme where Police Credit Union can contribute up to 10% as interest-free deposit help; borrower has at least 10% deposit and aims to buy out the shared ownership within 10 years.
SBS Bank - Construction Loan for First Home Buyers
Home Loan • Personal • Last updated 2 April 2026 •
Visit website
First home buyers construction
|
Term
|
Rate
|
| Floating | 3.29% p.a. |
SBS Bank - First Home Combo
Home Loan • Personal • Last updated 21 May 2026 •
Visit website
First home buyers
|
Term
|
Rate
|
| 1 Year | 4.19% p.a. |
SBS Bank - Residential Home Loan
Home Loan • Personal • Last updated 22 June 2026 •
Visit website
|
Term
|
Rate
|
| Floating | 5.84% p.a. |
| 6 Months | 5.09% p.a. |
| 1 Year | 5.29% p.a. |
| 2 Years | 5.79% p.a. |
| 3 Years | 5.99% p.a. |
| 4 Years | 6.19% p.a. |
| 5 Years | 6.39% p.a. |
SBS Bank - Special Home Loan
Home Loan • Personal • Last updated 22 June 2026 •
Visit website
Residential lending with at least 20% equity, residential investment lending with at least 30% equity, or eligible First Home Loan lending with at least 5% equity.
|
Term
|
Rate
|
| 6 Months | 4.49% p.a. |
| 1 Year | 4.69% p.a. |
| 2 Years | 5.19% p.a. |
| 3 Years | 5.39% p.a. |
| 4 Years | 5.59% p.a. |
| 5 Years | 5.79% p.a. |
SBS Bank - Transactional Flexi
Home Loan • Personal • Last updated 22 May 2026 •
Visit website
|
Term
|
Rate
|
| Floating | 5.84% p.a. |
SBS Bank - Unwind Reverse Equity
Home Loan • Personal • Last updated 2 April 2026 •
Visit website
|
Term
|
Rate
|
| Floating | 7.99% p.a. |
TSB Bank - Home Loan
Home Loan • Personal • Last updated 22 June 2026 •
Visit website
|
Term
|
Rate
|
| Floating | 6.59% p.a. |
| 6 Months | 5.49% p.a. |
| 1 Year | 5.59% p.a. |
| 2 Years | 6.05% p.a. |
| 3 Years | 6.39% p.a. |
| 4 Years | 6.69% p.a. |
| 5 Years | 6.79% p.a. |
TSB Bank - Liberty Revolving Credit
Home Loan • Personal • Last updated 22 May 2026 •
Visit website
|
Term
|
Rate
|
| Floating | 5.89% p.a. |
TSB Bank - Special Home Loan
Home Loan • Personal • Last updated 22 June 2026 •
Visit website
Minimum 20% deposit.
|
Term
|
Rate
|
| Floating | 5.79% p.a. |
| 6 Months | 4.69% p.a. |
| 1 Year | 4.79% p.a. |
| 2 Years | 5.25% p.a. |
| 3 Years | 5.59% p.a. |
| 4 Years | 5.89% p.a. |
| 5 Years | 5.99% p.a. |
Unity - First Home Buyer Special
Home Loan • Personal • Last updated 22 June 2026 •
Visit website
New lending to first-home buyers from $250,000 with minimum 20% equity; also available for Kainga Ora First Home Loans.
|
Term
|
Rate
|
| 1 Year | 4.09% p.a. |
Unity - Home Loan
Home Loan • Personal • Last updated 22 June 2026 •
Visit website
|
Term
|
Rate
|
| Floating | 5.79% p.a. |
| 6 Months | 5.29% p.a. |
| 1 Year | 5.60% p.a. |
| 2 Years | 6.09% p.a. |
Unity - Special Home Loan
Home Loan • Personal • Last updated 22 June 2026 •
Visit website
|
Term
|
Rate
|
| Floating | 5.79% p.a. |
| 6 Months | 4.49% p.a. |
| 1 Year | 4.80% p.a. |
| 2 Years | 5.29% p.a. |
Wairarapa Building Society - Residential Standard
Home Loan • Personal • Last updated 22 June 2026 •
Visit website
|
Term
|
Rate
|
| Floating | 6.15% p.a. |
| 1 Year | 4.95% p.a. |
| 2 Years | 5.45% p.a. |
Conditions: Standard residential rates; margins from 0.50% to 2.00% may apply in some circumstances.
Westpac - Choices Everyday
Home Loan • Personal • Last updated 2 April 2026 •
Visit website
|
Term
|
Rate
|
| Floating | 5.99% p.a. |
Westpac - Choices Offset
Home Loan • Personal • Last updated 2 April 2026 •
Visit website
|
Term
|
Rate
|
| Floating | 5.89% p.a. |
Westpac - Greater Choices Home Loan
Home Loan • Personal • Last updated 2 April 2026 •
Visit website
Interest free for up to $50,000 for qualifying energy efficiency improvements
|
Term
|
Rate
|
| 5 Years | 0.00% p.a. |
Westpac - Home Loan
Home Loan • Personal • Last updated 22 June 2026 •
Visit website
|
Term
|
Rate
|
| Floating | 5.89% p.a. |
| 6 Months | 5.29% p.a. |
| 1 Year | 5.39% p.a. |
| 2 Years | 5.79% p.a. |
| 3 Years | 5.89% p.a. |
| 4 Years | 5.99% p.a. |
| 5 Years | 6.09% p.a. |
Westpac - Special Home Loan
Home Loan • Personal • Last updated 22 June 2026 •
Visit website
Minimum 20% equity and salary credited to a Westpac transaction account; not available with other offers, promotions, or package discounts.
|
Term
|
Rate
|
| 6 Months | 4.69% p.a. |
| 1 Year | 4.79% p.a. |
| 2 Years | 5.19% p.a. |
| 3 Years | 5.29% p.a. |
| 4 Years | 5.39% p.a. |
| 5 Years | 5.49% p.a. |