Buying guide
New Zealand interest rates
Current home loan rates on offer in New Zealand
AI summary
Stay ahead with the latest New Zealand home loan interest rates, crucial for buying, refinancing, or financial planning.
Currently, the lowest one-year fixed rate is 3.99% from SBS Bank, with the average at 4.71%. Forecasters believe we are near the bottom of the interest rate cycle.
Short-term rates may fall slightly in early 2026 before flattening out, while longer-term rates (2-5 years) have likely bottomed and may start rising soon, depending on economic conditions.
Rates snapshot
Interest rate outlook
Interest rate guides:
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