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mortgage rate. Now.
Compare New Zealand lenders in seconds. Free, unbiased, no obligation.
4.97 Average rating
Free instant check
Compare New Zealand lenders in seconds. Free, unbiased, no obligation.
Compare rates from
Quick estimate
Today’s best 1-year rate across the big banks sits at 4.65% (live, indicative).
Loan balance
Property value
LVR 66.7%
Current rate
Today's best: 4.65%
First-year benefit
$6,700 interest saved + $4,500 cashback
Indicative year-1 figure only. Rates change at refix, so longer-term totals depend on future rates. Cashback shown is the typical big-bank offer of 0.9% of balance, capped at $30,000 — actual offer varies by lender. We’ll give you the real number on the comparison page.
How it works
Two minutes. Potentially thousands saved.
01
Tell us your property value, deposit, and preferred loan term. Takes 30 seconds.
02
See rates from 20+ NZ lenders side by side. Sort by rate, monthly repayment, or total cost.
03
Found a better rate? Book a free call with a mortgage specialist. No obligation, no pressure.
What you could save
The difference between the highest and lowest rate could save you thousands over the life of your loan.
Your current rate
5.99%
2yr fixed
Your new rate
4.65%
1yr fixed
Your first year saving
$6,700
In your pocket
Based on a $500,000 loan. Indicative year-one interest saving — rates change at refix, so longer-term totals depend on future rates.
Today’s best rates
Live from 6+ NZ lenders. Indicative monthly is based on a $500,000 loan over 30 years.
Customer reviews
4.97 average from 547+ verified Kiwi homeowners.
Common questions
If yours isn't here, ask on a free 15-minute call with one of our mortgage specialists.