The latest New Zealand mortgage rates

PHOTO: NZ V Australia

Coming off a FIXED rate, looking to FIX OR simply looking for a better deal? Here are the latest mortgage rates.

Why there is finally HOPE for mortgage payers in Australia NOT NZ

Wednesday 7 December, 2022

Institution	Product	Variable floating	6 months	1 year	2 years	3 years	4 years	5 years
	Standard	7.99	7.20	7.14	7.34	7.44	7.54	7.64
	Standard	18 months = 7.24
	Special LVR under 80%		6.60	6.54	6.74	6.84
	Special LVR under 80%	18 months = 6.64
	Blueprint to Build	5.23
	Good Energy – Up to $80K					1.00
	Standard	7.99	6.50	6.54	6.74	6.84	6.99	6.99
	Standard	18 months = 6.64
	Better Homes Top Up					1.00
Bank of Baroda	Standard	8.25		6.95	7.95
Bank of China	Standard	8.35		6.75	6.95	6.95	7.15	7.15
	Special	6.45		5.75	5.95	5.95	6.15	6.15
	Special	18 months = 5.85
	Special – Classic		6.49	6.49	6.59	6.69	6.79	6.79
	Special – Classic	18 months = 6.59
	TotalMoney	7.74
	Std & Flybuys	7.74	7.09	7.09	7.19	7.29	7.39	7.39
	Std & Flybuys	18 months = 7.19
China Construction Bank	Non Standard	7.34	7.20	7.34	7.34	7.34	7.59	7.69
	Non Standard	18 months = 7.34
	Standard		6.60	6.54	6.74	6.84	6.85	6.85
	Standard	18 months = 6.64
Co-operative Bank	Owner Occupied	7.75	6.29	6.29	6.59	6.59	6.69	6.79
	Owner Occupied	18 months = 6.49
	Standard	7.75	6.79	6.79	7.09	7.09	7.19	7.29
	Standard	18 months = 6.99
	First Home Buyer Special			6.19
Heartland Bank	Residential	5.99		5.75	6.05	5.95
	Residential	18 months = 5.79
	Reverse Mortgage	8.00
HSBC	Premier	7.94	6.44	6.44	6.69	6.79	7.29	7.39
	Premier	18 months = 6.59
ICBC	Special	7.15	5.75	5.75	5.95	6.05	6.29	6.39
	Special	18 months = 5.85
	Standard	7.75	6.95	6.89	7.15	7.09	7.19	7.19
	Special		5.95	5.89	6.15	6.29	6.39	6.39
	Offset Mortgage	7.75
Kookmin	Standard	7.50	7.00	7.00	7.30
	Residential	7.99	6.89	6.89	7.04	7.09	7.15	7.19
	Residential	18 months = 6.99
	Special		6.39	6.39	6.54	6.59	6.65	6.69
	Special	18 months = 6.49
	First Home Combo			5.39
	Construction lending for FHB	4.74
	Unwind reverse equity	8.50
	Standard	8.05	6.59	6.59	6.95	7.09	7.19	7.19
	Standard	18 months = 6.89
	Special LVR <80%	7.25	5.79	5.79	6.15	6.29	6.39	6.39
	Special LVR <80%	18 months = 6.09
	Standard	7.99	7.09	7.09	7.29	7.29	7.29	7.39
	Standard	18 months = 7.19
	Special LVR < 80%		6.49	6.49	6.69	6.69	6.69	6.79
	Special LVR < 80%	18 months = 6.59
	Choices Offset	7.99
	Choices Everyday	8.09