Find the best interest rates in nz

Your home for interest rates information on mortgage rates and term deposit rates . Whether you have money to invest on term deposit or are looking for the best home loan rate we can help you.

Both sites have...

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Home Loan Mortgage Interest Rates - Westpac NZ

Home Loan Base Rates#�for Choices Fixed

The base rate for Choices Fixed is the same as the Choices Fixed interest rate disclosed above for the applicable term of your loan as stated in your loan summary. At any time your loan is not on the Annual Fixed Interest Rate, the Annual Floating Interest Rate will apply.

The formula for calculating the Annual Floating Interest Rate is: (the Base...

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Banks compete on short-term interest rates |

Banks compete on short-term interest rates


Last updated�14:07, February 13 2018


Long-term interest rates are more affected by international movements.

Banks are lobbing shots at each other with cheap short-term mortgage rates, but don't take it as a sign of further cuts to come.

ANZ is this week offering a one-year special rate of 4.35 per cent. It takes it below BNZ's 4.39...

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Related topics : mortgage interest rates bank / best interest rates mortgage nz / low mortgage interest rates / mortgage rates bank / mortgage loan interest rates

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NZ Home Loan & Mortgage Rates Comparison |

What is LVR and how does it effect your ability to get a home loan?

Comparison Calculations

The calculations for Monthly Payment Amount and Annual Comparison rate are based on a principal amount of $250,000 and a term of 30�years. These figures�take�into account the Advertised Interest Rate, Upfront Fees and any Monthly Fees. We calculate these figures�as it gives our users a better way to...

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NZ Interest Only Loan Calculator - New Zealand Mortgages

NZ Interest Only Loan Calculator

Use this calculator to generate an amortization schedule for an interest only loan. Quickly see your repayment and how much interest you will pay. Press the report button for a full amortization schedule, either by year or by repayment.

Use our Currency Converter to convert AU $ to NZ $.


Original or expected balance for your loan.

Interest rate

Annual interest rate for this loan.


The number of years over which you will repay this loan.

Loan repayment

Your principal and interest payment (PI) per period. Payments are based on 100% of outstanding interest owed.


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Compare home loan rates - nz

Standard fees

Personal home loan set up: Up to $400.

Non-personal home loan set up (such as for an investment property or a family trust):� Up to 1% of the amount of the loan.

Re-fix or roll over: No fee ^ .�

Top up your loan: Up to $250�(changing to $150 on 1 April 2018).

Redocumentation if required: $250 (changing to $150 on 1 April 2018).

$35 each time we have to pay council rates for your property on your behalf (changing to $25 on 1 April 2018).

Rapid Repay revolving home loan: $3.50 monthly base fee (changing to $2 monthly on 1 April 2018), 35 cents per electronic transaction and 75 cents per manual transaction.

Mortgage One revolving home...

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Date: 2018-03-27 21:19:28

ANZ Home Loan Interest Rates - Australia Bank Interest Rates

ANZ offers a variety of mortgage products for its retail customers for those wishing to purchase a property either as an owner occupier or investor. Variable rate and fixed rate offerings can be fully featured loans or just simple without unneeded features. Fixed products offer fixed interest terms that can range from 1 to 10 years with a repayment term up to 30 years. Other offerings include lines of credit account over the property as well as equity loans for those wish to use equity in their homes as well...

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Choices Fixed | Fixed Rate Mortgage | Home loans - Westpac NZ

5.44% p.a.�for�3 years

5.89% p.a.�for�4 years

5.59% p.a.*

�for�5 years - special*

6.09% p.a.�for�5 years

If you are applying for a mortgage with low equity (i.e. your deposit is less than 20%), Westpac may charge an additional interest margin of between 0.25% to 1.5% per annum.The actual margin charged will depend on your level of equity.

These rates may differ from the rates existing Westpac home loan customers may have previously agreed with Westpac. Please contact �Westpac...

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First-home buyers' guide to getting a mortgage |

"The obvious place for people to start is looking is at mortgage providers, the rates they offer and the services they provide."

According to Canstar's online comparison tables, the difference between the highest and lowest advertised two-year fixed rate�home loan for first-home buyers with a 20 per cent deposit is 0.7�per cent.� In dollar terms, this could mean paying an extra $142 per...

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String of two-year fixes 'best mortgage plan' |

If you're taking out a new mortgage, you'll find the best value in short-term rates, economists say.

Borrowers who want to pay the least amount of interest on their home loans are being told to consider a succession of two-year fixes.

Economists predict little movement of interest rates this year. ASB economist Kim Mundy�said, heading into 2017, the bank had expected rates to be higher by the...

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Home loan interest rates & fees - Fixed & variable | ASB


� � �Margins are current as at

At any time six months after the date of initial drawdown you may request a reduction or removal, as the case may be, of the Low Equity Margin applicable to a facility. We can choose whether or not to approve your request. We will determine such request on the basis of your applicable LVR at the date of such request. To make such determination we may...

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Home loan rates tipped to rise in 2018 - NZ Herald Homepage

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Increasing the minimum wage to $20 an hour by 2020 would push up wages at the lower end which was likely to increase inflation, Tripe said.

That could mean short-term rates start to rise as banks price in an increase in the official cash rate which affects floating and short term rates more than longer-term fixed rates.

"It is much more likely rates are going to rise over...

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Home Loan Rates - nz - NZ's financial ...

Printable version

This table is updated regularly and is intended as a brief guide to residential loans on owner-occupied properties in New Zealand. Users are advised to confirm the rates and conditions that will apply in your particular situation directly with the lender.

Link for Australian visitors:

Terms explained

Floating rate: also known as the variable rate. This fluctuates according to market conditions.

Fixed rate: this rate applies for the length of the loan, which is fixed for a set period. We have given a sample of fixed rate periods only: many lenders offer fixed rate loans...

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Related topics : fixed home loan rates / home loan variable interest rates / new home loan interest rate / home loan variable rate / home loan rate interest

Banks tighten home lending for older borrowers |

It is harder to qualify for a home loan than it was a year ago, as banks tighten their lending criteria.

Banks are being more cautious about issuing home loans that would leave borrowers making repayments after the age of 65.

In 2015, BNZ estimated that on current repayment trajectories a third of mortgage borrowers would still have a mortgage at 65.

But�banks' tightening of mortgage lending...

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Home Loans NZ | Home Loan Calculator NZ | Finance Now NZ

As the number one New Zealand owned home loan provider we can tailor a financial package to meet your needs.


You can choose between a Table Loan , Flexi Loan or a Combination Loan .�All these have their own advantages in different situations and we're happy to help you decide which suits you best.

Interest Rates

We pride ourselves on offering you competitive interest rates, with the flexibility to choose between fixed and floating rate options, or a combination of both - whatever suits you best.

Payment Options

You can choose from a range of flexible payment options.�Ask us how we can make it easy for you with direct debit, automatic...

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