To help you stay informed and make confident decisions, we’ve included the latest mortgage interest rates below. These rates are updated daily, giving you a clear and current snapshot of where the market stands.
Whether you're buying, refinancing, or planning your next move, keeping an eye on daily rate changes can help you secure the best possible deal.
Current Mortgage Interest Rates
Disclaimer: The interest rates shown apply solely to residential home loans with a minimum of 20% equity. Every effort has been made to ensure the accuracy of the information in the table; however, we strongly recommend confirming loan details with a mortgage adviser.
| Last Updated: 11 May 2026, 12:00:03 AM |
variable | 6 months | 1 year | 18 months | 2 years | 3 years | 4 years | 5 years | |
|---|---|---|---|---|---|---|---|---|---|
| ANZ | 5.79 | 4.49 | 4.69 | 4.99 | 5.29 | 5.49 | 6.19 | 6.29 | |
| ASB | 5.79 | 4.49 | 4.65 | 4.95 | 5.25 | 5.49 | 5.69 | 5.89 | |
| BNZ | 5.84 | 4.49 | 4.65 | 4.95 | 5.19 | 5.39 | 5.59 | 5.79 | |
| Co-operative Bank | 4.99 | 4.59 | 4.65 | 4.99 | 5.29 | 5.49 | 5.75 | 5.89 | |
| Kiwibank | 5.75 | 4.49 | 4.65 | - | 5.29 | 5.55 | 5.89 | 5.99 | |
| SBS Bank | 5.84 | 4.49 | 4.69 | 4.95 | 5.19 | 5.29 | 5.59 | 5.79 | |
| TSB Bank | 5.79 | 4.59 | 4.59 | 5.09 | 5.19 | 5.49 | 5.69 | 5.79 | |
| Westpac | 5.89 | 4.69 | 4.69 | 4.99 | 5.19 | 5.35 | 5.39 | 5.59 | |
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