Why loyal customers lose
The $2,340 hit*.
That’s how much most Kiwis overpay yearly by not refinancing.
Designed to stall.
Banks make switching seem harder than it is.
20 minutes.
That’s all it takes to start saving. We do the rest.
comparemymortgage.co.nz
Still on Yesterday’s Mortgage Rate?
Your bank’s counting on you to do nothing. That’s why the average Kiwi loses $2,340/year*. Switch today. We’ll do the work. It will take less time than your coffee break.
*Based on RBNZ data. Savings vary by loan size.
BEST CARDED RATE TODAY
1 Year Fixed
4.49%
WHAT’S YOURS?
Find the Rates Bank’s Dont Advertise
Banks don’t list their best rates online. We’ll find the ones they hide.
No spam. No pressure. Your details stay private, and you’re free to take it or leave it.
Todays Best Carded Rates, Saturday 9 May 2026
These are publicly advertised rates. Many lenders also offer unadvertised specials that our advisers can access and negotiate for you.
| Lender | 6 Months | 1 Year | 18 Months | 2 Years | Floating |
|---|---|---|---|---|---|
| ANZ | 4.79% | 4.49% | 4.49% | 4.49% | 5.79% |
| ASB | 4.49% | 4.65% | 4.95% | 5.25% | 5.79% |
| BNZ | 4.49% | 4.65% | 4.95% | 5.19% | 5.84% |
| Heartland Bank | 5.89% | 5.75% | |||
| Kiwibank | 4.49% | 4.65% | 5.29% | 5.70% | |
| SBS | 4.49% | 4.59% | 4.95% | 5.19% | 5.84% |
| TSB | 4.59% | 4.59% | 5.09% | 5.19% | 5.79% |
| The Cooperative Bank | 4.65% | 4.49% | 4.49% | 4.79% | 4.99% |
| Westpac | 4.49% | 4.69% | 4.99% | 5.19% | 5.89% |
^Table based on advertised rates from lenders, subject to T&Cs and equity requirements.
