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Mortgage Rates Daily CommentaryWednesday 16 September 2026 Add your comment
New non-bank lender officially launches; And a bank cuts a rateA new non-bank lender has entered the market. It's received a significant bank funding line and some of the names behind the business will be recognised by advisers. [READ ON] Who is behind MB Private? Find out here. Amongst home loan rate news TSB has gone the other way and reduced rates on its one year term. Check out how it compares here.  Latest Headlines Reserve Bank lets well aloneYes, there's been no change to the Official Cash Rate at this morning's review.Wednesday, July 5th 2000, 12:00AMby Paul McBeth Yes, there’s been no change to the Official Cash Rate today. The Reserve Bank announced at 9am this morning that the OCR would remain at 6.5 per cent. It gave no further explanation but said that the next review would be on August 16, together with the release of its August Monetary Policy Statement. |
Paul is a staff writer for Good Returns based in Wellington.
| « No rise tipped for OCR review tomorrow | Housing market ho-hum » |
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Full Rates Table | Compare Rates
| Lender | Flt | 1yr | 2yr | 3yr |
|---|---|---|---|---|
| AIA - Back My Build | 3.34 | - | - | - |
| AIA - Go Home Loans | 6.39 | 4.75 | 5.45 | 5.45 |
| ANZ | 6.29 | 5.59 | 6.09 | 6.19 |
| ANZ Blueprint to Build | 7.39 | - | - | - |
| ANZ Good Energy | - | - | - | 1.00 |
| ANZ Special | - | 4.99 | 5.49 | 5.59 |
| ASB Bank | 6.29 | 4.99 | 5.45 | 5.45 |
| ASB Better Homes Top Up | - | - | - | 1.00 |
| Avanti Finance - Near Prime | 6.85 | - | - | - |
| Avanti Finance - Specialised | 8.00 | - | - | - |
| Basecorp Finance | 6.35 | - | - | - |
| Lender | Flt | 1yr | 2yr | 3yr |
| BNZ - Mortgage One | 6.44 | - | - | - |
| BNZ - Rapid Repay | 6.44 | - | - | - |
| BNZ - Std | 6.34 | 5.19 | 5.35 | 5.59 |
| BNZ - TotalMoney | 6.44 | - | - | - |
| CFML 321 Loans | 4.20 | - | - | - |
| CFML Home Loans | 6.55 | - | - | - |
| CFML Prime Loans | 6.70 | - | - | - |
| CFML Standard Loans | 7.20 | - | - | - |
| China Construction Bank | 6.44 | 4.85 | 4.95 | 4.95 |
| China Construction Bank Special | 6.44 | 5.85 | 5.95 | 5.95 |
| Co-operative Bank - First Home Special | - | 4.89 | 5.29 | 5.59 |
| Lender | Flt | 1yr | 2yr | 3yr |
| Co-operative Bank - Owner Occ | 5.69 | 4.99 | 5.45 | 5.69 |
| Co-operative Bank - Standard | 5.69 | 5.49 | 5.95 | 6.19 |
| Credit Union Auckland | 7.70 | - | - | - |
| First Credit Union Special | - | 5.09 | 5.49 | - |
| First Credit Union Standard | 6.49 | 5.69 | 6.09 | - |
| FMT | 7.15 | - | - | - |
| FMT Development | 7.90 | - | - | - |
| Heartland Bank - Online | 6.35 | 5.89 | - | - |
| Heartland Bank - Reverse Mortgage | 7.99 | - | - | - |
| Heretaunga Building Society | 6.50 | 5.50 | 5.65 | - |
| ICBC | 5.39 | 4.49 | 4.99 | 5.25 |
| Lender | Flt | 1yr | 2yr | 3yr |
| Kainga Ora | 5.79 | 4.59 | 4.95 | 5.19 |
| Kainga Ora - First Home Buyer Special | - | - | - | - |
| Kiwibank | 6.25 | ▲6.05 | 6.29 | ▲6.39 |
| Kiwibank - Offset | 6.25 | - | - | - |
| Kiwibank Special | ▲6.25 | ▲5.15 | 5.39 | ▲5.59 |
| Liberty | 6.65 | 6.55 | 6.22 | 6.20 |
| Nelson Building Society | 6.99 | 5.19 | 5.49 | - |
| Pepper Money Near Prime | 6.55 | - | - | - |
| Pepper Money Prime | 5.99 | - | - | - |
| Pepper Money Specialist | 8.00 | - | - | - |
| SBS Bank | 6.34 | 5.39 | 5.89 | 5.89 |
| Lender | Flt | 1yr | 2yr | 3yr |
| SBS Bank Special | - | 4.69 | 5.29 | 5.29 |
| SBS Construction lending for FHB | 3.79 | - | - | - |
| SBS FirstHome Combo | 3.29 | 4.29 | - | - |
| SBS FirstHome Combo | - | - | - | - |
| SBS Unwind reverse equity | 7.99 | - | - | - |
| TSB Bank | 7.09 | 5.65 | 6.29 | 6.49 |
| TSB Special | 6.29 | 4.85 | 5.49 | 5.69 |
| Unity First Home Buyer special | - | 4.15 | - | - |
| Unity Special | 6.04 | 4.80 | 5.29 | - |
| Unity Standard | 6.04 | 5.60 | 6.29 | - |
| Wairarapa Building Society | 6.25 | 5.15 | 5.65 | - |
| Lender | Flt | 1yr | 2yr | 3yr |
| Westpac | 6.39 | 5.79 | 5.89 | 6.19 |
| Westpac Choices Everyday | 6.49 | - | - | - |
| Westpac Offset | 6.39 | - | - | - |
| Westpac Special | - | 5.19 | 5.29 | 5.59 |
| Median | 6.39 | 5.15 | 5.49 | 5.59 |
Last updated: 24 September 2026 10:48am
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