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Home LoansRates

Home Loan Rates Comparison

Compare the lowest home loan rates from our lending partners right now.

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Fixed Rate

4.55%*

Per annum. Fixed for 1 year. Minimum 20% deposit.

With a fixed rate you know your exact payments over a fixed length of time.

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Floating Rate

5.54%

Per annum. Fixed for 1 year. Minimum 20% deposit.

Floating rates mean that you can pay your mortgage off when you want.

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Variable Rate

5.15%

Per annum. Fixed for 1 year. Minimum 20% deposit.

Variable rates change with the market, meaning you get the lowest rates on the market.

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Offset Rate

4.89%

Per annum. Fixed for 1 year. Minimum 20% deposit.

Offset your mortgage with the money in your account, getting the lowest rates.

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Home Loan Rates Comparison

  • Variable Floating
    Fixed 1 year
    Fixed 2 years
  • AIA
    5.35%
    4.49%
    5.25%
  • ANZ
    5.54%
    5.15%
    5.85%
  • ASB
    5.35%
    4.49%
    5.25%
  • Avanti Finance
    4.95%
    N/A
    N/A
  • Bank of China
    5.50%
    5.15%
    5.85%
  • BNZ
    5.55%
    4.55%
    5.25%
  • Basecorp Finance
    6.45%
    N/A
    N/A
  • Bluestone
    4.34%
    4.95%
    5.41%
  • China Construction Bank
    5.50%
    5.15%
    5.85%
  • ICBC
    5.25%
    4.09%
    4.79%
  • Liberty Financial
    4.84%
    N/A
    N/A
  • Heartland Bank
    3.50%
    3.49%
    4.05%
  • Pepper Money
    3.44%
    N/A
    N/A
  • Resimac
    3.89%
    4.59%
    4.96%
  • SBS
    5.29%
    4.69%
    5.35%
  • TSB
    5.59%
    4.99%
    5.75%
  • The Co-Operative Bank
    5.45%
    4.39%
    5.29%
  • Westpac
    5.54%
    4.55%
    5.79%

Rates accurate as at 11:59PM April 27th, 2022. We endeavor 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 loans are coming soon to Lending People! In the meantime, why not check out our latest guides and insights?

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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 you do not enter into a personal loan arranged by us. A fee to use our services is applicable in all other cases. See our Terms & Conditions for the applicable fees.

²Annual Interest Rate (AIR): The AIR offered by our Personal Loan providers ranges from 7.90% 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 charged by providers). 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 principal, 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, fees for using our services (if any) or default fees.

⁵Terms and Conditions: Our services are provided in accordance with our Application Terms & 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 will reflect the loan amount and interest rate offered by the provider. Provider establishment fees, terms, and conditions apply.