Buying guide
New Zealand interest rates
Current home loan rates on offer in New Zealand
AI summary
Staying informed on home loan rates is crucial for buyers and those refinancing. Current rates show an average 1-year fixed rate of 4.71% and a floating rate of 6.01%, with the lowest special rate at 3.99% from SBS Bank.
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) are expected to start rising soon, making now a key time to plan.
Rates snapshot
Interest rate outlook
Interest rate guides:
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