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Results: Pricing

Giraffe looming over a hole in the roof of a structure
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 cyc...

Man trimming a hedge with garden shears
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 ...

Man silhoutted against a sunset over the ocean
16 October 2025

Rates nearing the bottom—is now the time to think about fixing longer-term?

We're either at—or very near—the bottom of the interest rate cycle. And now that we're starting to longer-term rates out there bel...

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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.

shopper approved logofive star revews
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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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