Results: Mortgages

Man and woman standing together looking over some papers
23 December 2025

Wholesale rates settle—some variation between banks on longer-term fixed rates

With so much movement happening in the market, we're seeing some variation between the banks on longer-term fixed rates—so seeking...

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17 December 2025

Some fixed rates up, some down, as banks respond to wholesale rate changes

Wholesale rates have climbed significantly over the last couple of weeks, prompting some lenders to increase their longer-term fix...

Green cricket hiding behind a leaf.
04 December 2025

Mortgage rates largely flat despite OCR fall—now's the time to fix

There's been little to no movement in fixed rates off the back of last week's OCR cut—sending a clear signal that we're at the bot...

30 October 2025

The bottom of the interest rate cycle looms closer

With the best one year rate at 4.39% and longer terms below 5.00%, we're getting very close to the bottom of the interest rate cycle. Here's what that means for borrowers.

Giraffe looming over a hole in the roof of a structure
23 October 2025

Another OCR cut expected—could it see the one-year rate dip below 4%?

The market is expecting another OCR cut in November—from 2.50% to 2.25%—and with that, there's now a distinct possibility that we could see the one-year fixed rate below 4% in the next few months.

Man trimming a hedge with garden shears
25 September 2025

Interest rates set to drop as GDP result sparks calls for 0.5% OCR cut

Our latest GDP numbers caught everyone off-guard. And with some now calling for a 0.5% OCR cut on 8 October, interest rates are expected to fall over the next few weeks. Here's what it means for borrowers.

Person holding a sparkler with a backdrop of a dark night sky
13 March 2025

Borrowers favouring two-year term in wake of latest rate cuts

With most lenders now offering two-year fixed rates of 4.99%, borrowers have been flocking to the two-year term in droves. Does it still make sense to fix shorter-term in the current environment?

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Keen for the best rate and some cash too?

We've teamed up with award winning mortgage experts, Squirrel.

With over 1,425 five star reviews on Shopper Approved, Squirrel has helped thousands of Kiwis just like you secure the best possible rate when refixing or refinancing. Squirrel often beats the advertised rates so it's worth getting them to review your mortgage.

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R

Ryan

New Zealand

five star revews

The service I got from Squirrel was extremely efficient. They dealt with my loan so easily and achieved a result greater than what I was expecting.

J

Jo

New Zealand

five star revews

Highly recommend Squirrel to sort out a mortgage with the banks takes the hassle out of going to separate banks with so much information they do the hard yards for you - Baz was a superstar and helped me all the way to my new home.

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