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| Last Article Uploaded: Thursday, August 6th, 4:33PM |
Mortgage Rates Daily CommentaryThursday 6 August 2026 Add your comment
Taranaki residents plan to try and stop TSB sale - but there's a hitch; ASB hikes ratesTaranaki residents unhappy with the plan to sell TSB Bank to Heartland are hoping to file an injunction to stop it next week - but there's a catch. [READ ON] ASB is the latest bank to increase fixed rates. It has increased its fixed home loan rates by between 10-26 bps on its 6-month to three-year terms and has increased term deposit rates by 10-20 bps on its 6-month to two-year terms. ASB’s Executive General Manager Personal Banking Adam Boyd says “We’re continuing to see volatility in wholesale interest rates, which have climbed over the past month. This has a direct bearing on the rates we offer on lending and deposits, in line with what is happening in markets around the world.”
 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 | 6.14 | 4.75 | 5.25 | 5.29 |
| ANZ | 6.04 | ▲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 | 6.04 | ▲4.99 | ▲5.45 | ▲5.45 |
| ASB Better Homes Top Up | - | - | - | 1.00 |
| Avanti Finance - Near Prime | 6.60 | - | - | - |
| Avanti Finance - Specialised | 7.75 | - | - | - |
| Basecorp Finance | 6.35 | - | - | - |
| Lender | Flt | 1yr | 2yr | 3yr |
| BNZ - Mortgage One | 6.19 | - | - | - |
| BNZ - Rapid Repay | 6.19 | - | - | - |
| BNZ - Std | 6.09 | ▲4.99 | ▲5.45 | ▲5.45 |
| BNZ - TotalMoney | 6.19 | - | - | - |
| CFML 321 Loans | 4.20 | - | - | - |
| CFML Home Loans | 6.30 | - | - | - |
| CFML Prime Loans | 6.45 | - | - | - |
| 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 | - | 4.74 | 5.29 | 5.59 |
| Lender | Flt | 1yr | 2yr | 3yr |
| Co-operative Bank - Owner Occ | 5.34 | 4.84 | 5.39 | 5.69 |
| Co-operative Bank - Standard | 5.34 | 5.34 | 5.89 | 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 | - |
| Heartland Bank - Online | 5.80 | 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 |
| Kainga Ora | 5.79 | 4.59 | 4.95 | 5.19 |
| Kainga Ora - First Home Buyer Special | - | - | - | - |
| Lender | Flt | 1yr | 2yr | 3yr |
| Kiwibank | 6.00 | 5.65 | 6.09 | 6.19 |
| Kiwibank - Offset | 6.00 | - | - | - |
| Kiwibank Special | 5.75 | 4.75 | 5.19 | 5.39 |
| Liberty | 6.65 | 6.55 | 6.22 | 6.20 |
| Nelson Building Society | ▲6.79 | ▲4.99 | ▲5.49 | - |
| Pepper Money Near Prime | 6.55 | - | - | - |
| Pepper Money Prime | 5.99 | - | - | - |
| Pepper Money Specialist | 8.00 | - | - | - |
| SBS Bank | 5.84 | 5.39 | 5.89 | 5.89 |
| SBS Bank Special | - | 4.69 | 5.29 | 5.29 |
| SBS Construction lending for FHB | 3.74 | - | - | - |
| Lender | Flt | 1yr | 2yr | 3yr |
| SBS FirstHome Combo | 3.29 | 4.29 | - | - |
| SBS FirstHome Combo | - | - | - | - |
| SBS Unwind reverse equity | 7.99 | - | - | - |
| TSB Bank | 6.59 | 5.49 | 6.05 | 6.29 |
| TSB Special | 5.79 | 4.69 | 5.25 | 5.49 |
| 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 | 6.15 | 4.95 | 5.45 | - |
| Westpac | 6.14 | 5.59 | 6.05 | 5.95 |
| Westpac Choices Everyday | 6.24 | - | - | - |
| Lender | Flt | 1yr | 2yr | 3yr |
| Westpac Offset | 6.14 | - | - | - |
| Westpac Special | - | 4.99 | 5.45 | 5.35 |
| Median | 6.15 | 4.99 | 5.47 | 5.49 |
Last updated: 7 August 2026 8:32am
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