Buying guide
New Zealand interest rates
Current home loan rates on offer in New Zealand
AI summary
Stay ahead with the latest New Zealand home loan rates for buying or refinancing. Current averages sit at 4.71% for a 1-year fixed rate and 6.01% for a floating rate. The lowest offer is 3.99% from SBS Bank on its FirstHome Combo.
Experts suggest we are near the bottom of the interest rate cycle. While short-term rates might dip slightly in early 2026, longer-term rates have likely bottomed out and may soon begin to rise.
Rates snapshot
Interest rate outlook
Interest rate guides:
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