Current Rates

Current mortgage rates

Mortgage rates change regularly. We keep an eye on them so you don't have to.

Below is a snapshot of current rates across our lender panel. These are indicative only — your actual rate will depend on your circumstances.

Source: interest.co.nz · Updated 11 August 2026

Bank	Product	Floating	6 Mo	1 Yr	2 Yr	3 Yr	4 Yr	5 Yr
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Rates shown are advertised rates. Rates are subject to change without notice and lender terms & conditions apply. Sourced from interest.co.nz.

Notes

Rates are subject to change without notice
Your rate depends on your LVR, loan amount, and financial situation
Special rates may be available depending on lender criteria
We can help you find the best rate for your specific situation

Common questions

How often do rates change?

Rates shift based on the Official Cash Rate (OCR) and market conditions. We monitor changes regularly and keep this page updated.

How do I know what rate I'd actually get?

The rate in this table is a guide. Your actual rate is determined by the lender after assessing your application. We can give you a personalised estimate during a free consultation.

Can I lock in a rate?

Yes — depending on the lender, you may be able to apply for a rate lock. We can explain your options.

Want a personalised rate estimate?

Book a free consultation and we'll find the rate that actually applies to your situation.

Book a free consultation