Buying guide
New Zealand interest rates
Current home loan rates on offer in New Zealand
AI summary
Tracking NZ home loan rates is vital for buyers and refinancers. Current key rates include:
- 3.99% one-year fixed special from SBS Bank
- 4.71% average one-year rate
Forecasters believe we are near the bottom of the interest rate cycle. Short-term rates may dip slightly in early 2026 before rising, while longer-term rates (2-5 years) have likely bottomed out and could increase soon, depending on economic conditions.
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Interest rate outlook
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