Buying guide
New Zealand interest rates
Current home loan rates on offer in New Zealand
AI summary
Tracking New Zealand home loan rates is vital for buyers and those refinancing. This guide provides a snapshot of the current market, including the lowest fixed rate at 3.99% from SBS Bank and an average 1-year rate of 4.71%.
Forecasters believe we are near the bottom of the interest rate cycle. Short-term rates may dip slightly in early 2026, while longer-term rates (2-5 years) have likely bottomed out and could begin to rise soon.
Rates snapshot
Interest rate outlook
Interest rate guides:
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