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Home LoansRates

Home Loan Rates Comparison

Home Loan Rates Comparison

  • Variable Floating
    Fixed 1 year
    Fixed 2 years
  • AIA
    4.55%
    2.29%
    2.59%
  • ANZ
    4.44%
    2.89%
    3.25%
  • ASB
    4.45%
    2.29%
    2.59%
  • Avanti Finance
    3.95%
    N/A
    N/A
  • Bank of China
    5.00%
    5.25%
    5.35%
  • BNZ
    4.55%
    2.29%
    2.59%
  • Basecorp Finance
    5.49%
    N/A
    N/A
  • Bluestone
    3.49%
    3.34%
    2.99%
  • China Construction Bank
    5.00%
    4.70%
    4.80%
  • ICBC
    3.69%
    2.25%
    2.35%
  • Liberty Financial
    5.69%
    N/A
    N/A
  • Heartland Bank
    2.50%
    1.99%
    2.35%
  • Pepper Money
    4.19%
    N/A
    N/A
  • Resimac
    3.39%
    3.35%
    2.99%
  • SBS
    4.54%
    2.79%
    2.79%
  • TSB
    4.54%
    2.29%
    2.49%
  • The Co-Operative Bank
    4.40%
    2.29%
    2.59%
  • Westpac
    4.59%
    2.89%
    3.29%

Rates accurate as at 11:59PM March 1st, 2021. We endeavour to ensure all rates are true and accurate but for final applicable rates please talk directly to your mortgage adviser.

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Home Loan Calculator

Home Loan Calculator

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Personal Loan Calculator

Quickly calculate what your estimated repayments would be for a personal loan.

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¹Fees: We do not charge a fee to use our service (commonly referred to as a platform fee, broker fee, or referral fee) if (a) you are an existing customer, (b) we arrange vehicle finance, and you use the vehicle purchased as security on the credit contract, or (c) you do not proceed with a credit contract. A fee to use our service of between $0.00 and $995 is applicable in all other cases.

²Annual Interest Rate (AIR): The AIR offered by our Personal Loan providers ranges from 6.95% p.a. to a maximum of 26.95% p.a.

³Annual Percentage Rate (APR): Also known as the 'comparison rate', the APR is calculated by adding together the AIR plus any additional fees that may apply (like establishment fees). New Zealand law does not require APR disclosure but doing so can better highlight borrowing costs. The APR offered by our Personal Loan providers ranges from 7.80% p.a. to a maximum of 27.91% p.a. The APR is accurate only for the representative example given below and may not include all fees like early repayment fees (if any). Different terms, fees or other loan amounts might result in a different APR.

⁴Minimum and Maximum Repayment Terms: Repayment terms offered by our Personal Loan providers range from 12 months to a maximum of 84 months.

Representative Example of the Total Cost of a Loan: If you borrow $20,000 over a repayment term of 36 months at an AIR of 6.95% p.a., your total repayments will be $22,493 (made up of $20,000 principle, interest charges of $2,243, and an establishment fee of $250). This example assumes monthly repayments and does not include premiums for any optional insurances or fees for using our service (if any).

Terms and Conditions: All approvals are subject to provider credit criteria and responsible lending requirements. The loan amount and interest rate offered will depend on your circumstances, the type of lending required, and the security (if any) provided. Provider establishment fees, terms, and conditions apply.