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[BREAKING NEWS] The RBNZ makes big OCR call

Wednesday, February 22nd 2023, 2:00PM

The official cash rate has been increased 50 basis points to 4.75%.  [Here's why]

Have you registered to attend next week's TMM Better Business conference?

We’re just putting the final touches to next week’s event, and you still have time to register. This year, we sessions to help you grow your business, plus you get to network with your peers.

The conference is designed just for mortgage advisers and shouldn't be missed.

More details here

Get your tickets HERE

« First look at new conduct rules for advisersKiwibank reaches more advisers; OCR rise response; Time is running out »

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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 ▲5.85 ▲6.29 ▲6.29
Kiwibank - Offset 6.00 - - -
Kiwibank Special ▲6.00 ▲4.95 ▲5.39 ▲5.49
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: 10 August 2026 10:54am

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