Buying guide
Interest rate predictions 2026
Make informed decisions
| Bank | 2026 % | 2027 % | |||
|---|---|---|---|---|---|
| ANZ | ANZ | 4.7 (June) | 4.7 (June) | 5.2 (June) | 5.2 (June) |
| ASB | ASB | Remaining near current levels | Remaining near current levels | May rise as economy improves | May rise as economy improves |
| BNZ | BNZ | Flat or increasing | Flat or increasing | Increasing | Increasing |
| Kiwibank | Kiwibank | Plateauing or increasing | Plateauing or increasing | Increasing | Increasing |
| Westpac | Westpac | Increasing | Increasing | Increasing | Increasing |
Our summary of interest rate predictions from the experts
ANZ
Westpac
ASB
BNZ
Kiwibank
A note about advertised interest rates*
Official cash rate predictions 2025 and 2026
Sources: Bank reports
Our summary of OCR forecasts
The million dollar question: How long should I fix my mortgage?
Opes Partners say the 1 year rate is a great option
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Nicole Pervan, GM of home lending at Kiwibank says it’s all about you
Jarrod Kerr, Chief Economist at Kiwibank, recommends splitting:
Consider break even analysis
The Reserve Bank plays a big part in influencing retail interest rates.
Get expert advice first
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