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Mortgage Rates Daily Commentary
Thursday 6 August 2026
Taranaki residents plan to try and stop TSB sale - but there's a hitch; ASB hikes rates Taranaki 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.”
Kiwibank's "lowest-ever" rate
The mortgage rate war continues, with Kiwibank offering the lowest rate it has offered since the bank opened its doors 11 years ago.
Thursday, February 14th 2013, 2:18PM
The rate of 4.79% for six months is not restricted to new customers and does not have a minimum lending requirement or minimum deposit.
Kiwibank’s chief executive Paul Brock said the rate was for a limit time, in a very competitive home loan market.
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Mortgage Rates Table
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 Previous News
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