CalcStudioFinancial Calculators for BusinessOne table of each lender's lowest published home-loan rate for every fixed term, from six months to five years, with the lowest in each term highlighted. The rates come from Rates Hub and refresh every hour; the time of the last check is shown under the table. Published rates only: an adviser can often do better.
The lowest advertised rate today is 4.79%, fixed for 6 months, from ANZ, ASB and UnityMoney.
These are the rates lenders publish. Many lenders do better for a borrower who asks through an adviser - see what that could be worth.
| Lender | 6 months | 1 year | 18 months | 2 years | 3 years | 4 years | 5 years |
|---|---|---|---|---|---|---|---|
| ANZ | 4.79% | 4.99% | 5.29% | 5.35% | 5.59% | 6.39% | 6.49% |
| ASB | 4.79% | 4.99% | 5.29% | 5.35% | 5.59% | 5.65% | 5.75% |
| BNZ | 4.89% | 5.19% | 5.29% | 5.35% | 5.59% | 5.65% | 5.75% |
| Co-operative Bank | 4.89% | 5.19% | 5.35% | 5.49% | 5.69% | 5.89% | 5.99% |
| Kiwibank | 4.85% | 5.15% | — | 5.39% | 5.59% | 5.79% | 5.89% |
| Liberty Financial | — | 6.40% | — | 6.20% | 6.15% | — | — |
| SBS Bank | 4.85% | 5.19% | 5.29% | 5.29% | 5.59% | 5.65% | 5.75% |
| TSB Bank | 4.89% | 5.19% | 5.45% | 5.39% | 5.69% | 5.89% | 5.99% |
| UnityMoney | 4.79% | 4.99% | 5.35% | 5.49% | — | — | — |
| Westpac | 4.89% | 5.19% | 5.45% | 5.29% | 5.59% | 5.65% | 5.75% |
Rates as at 10 Oct 2026, 7:34 am, from each lender’s published rates. They change often - confirm with the lender before you commit.
Worked example: Read down the 1-year column for the lowest 1-year rate, or across a lender's row to see its full set of terms; the highlighted cell in each column is the lowest in that term.
Am I on the best deal?
Compares your mortgage today with a switch to today's rate for your fixed term, plus an offset account working for you.
Shows: Your loan today against a switch to today's rate for your fixed term, and an optimal solution that keeps your repayment and puts the difference, cashback and everyday balance into an offset: interest and time saved, a comparison table and the balance over time.
What will my repayments be?
Work out weekly, fortnightly or monthly repayments on any loan, plus the total interest and the date it is paid off.
Shows: Weekly, fortnightly or monthly repayments, total interest and the full schedule, with an interest-only period if you want one.
Would an offset account clear my loan sooner?
Shows how savings held in an offset account cut interest and shorten the loan, compared with a standard fixed loan.
Shows: A standard loan against an offset loan at its own rate: the payoff date, the interest paid, and the difference over two and three years.
