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New Zealand Published Loan Rates
Serviceability test with a buffer above the advertised rate.
NZD Active Currency
Launch Calculator →
Lowest Published APR
6.25%
Best rate benchmark currently on record
Market Average APR
6.95%
Mean across tracked lending products
Available Products
66 Benchmarks
Fixed, variable & personal credit
Statutory System
Table mortgage with fixed or floating interest
Verified statutory framework
New Zealand Rate Directory
Click Calculate on any rate to open our loan calculator pre-filled with these exact parameters.
| Lender / Benchmark | Category | Term | Rate (APR) | Type | Effective Date | Calculate |
|---|---|---|---|---|---|---|
|
NZ 2-Year Fixed (RBNZ)
⚡ Live
Stub for RBNZ API
|
🏠 Mortgage | 30 Years (360 mo) | 6.75% | fixed | 2026-10-22T00:00:00Z | Calculate → |
|
NZ 2-Year Fixed (RBNZ)
⚡ Live
Stub for RBNZ API
|
🏠 Mortgage | 30 Years (360 mo) | 6.75% | fixed | 2026-10-21T00:00:00Z | Calculate → |
|
NZ 2-Year Fixed (RBNZ)
⚡ Live
Stub for RBNZ API
|
🏠 Mortgage | 30 Years (360 mo) | 6.75% | fixed | 2026-10-20T00:00:00Z | Calculate → |
|
NZ 2-Year Fixed (RBNZ)
⚡ Live
Stub for RBNZ API
|
🏠 Mortgage | 30 Years (360 mo) | 6.75% | fixed | 2026-10-19T00:00:00Z | Calculate → |
|
NZ 2-Year Fixed (RBNZ)
⚡ Live
Stub for RBNZ API
|
🏠 Mortgage | 30 Years (360 mo) | 6.75% | fixed | 2026-10-18T00:00:00Z | Calculate → |
|
NZ 2-Year Fixed (RBNZ)
⚡ Live
Stub for RBNZ API
|
🏠 Mortgage | 30 Years (360 mo) | 6.75% | fixed | 2026-10-18T00:00:00Z | Calculate → |
|
NZ 2-Year Fixed (RBNZ)
⚡ Live
Stub for RBNZ API
|
🏠 Mortgage | 30 Years (360 mo) | 6.75% | fixed | 2026-10-17T00:00:00Z | Calculate → |
|
NZ 2-Year Fixed (RBNZ)
⚡ Live
Stub for RBNZ API
|
🏠 Mortgage | 30 Years (360 mo) | 6.75% | fixed | 2026-10-16T00:00:00Z | Calculate → |
|
NZ 2-Year Fixed (RBNZ)
⚡ Live
Stub for RBNZ API
|
🏠 Mortgage | 30 Years (360 mo) | 6.75% | fixed | 2026-10-15T00:00:00Z | Calculate → |
|
NZ 2-Year Fixed (RBNZ)
⚡ Live
Stub for RBNZ API
|
🏠 Mortgage | 30 Years (360 mo) | 6.75% | fixed | 2026-10-14T00:00:00Z | Calculate → |
|
NZ 2-Year Fixed (RBNZ)
⚡ Live
Stub for RBNZ API
|
🏠 Mortgage | 30 Years (360 mo) | 6.75% | fixed | 2026-10-13T00:00:00Z | Calculate → |
|
NZ 2-Year Fixed (RBNZ)
⚡ Live
Stub for RBNZ API
|
🏠 Mortgage | 30 Years (360 mo) | 6.75% | fixed | 2026-10-12T00:00:00Z | Calculate → |
|
NZ 2-Year Fixed (RBNZ)
⚡ Live
Stub for RBNZ API
|
🏠 Mortgage | 30 Years (360 mo) | 6.75% | fixed | 2026-10-11T00:00:00Z | Calculate → |
|
NZ 2-Year Fixed (RBNZ)
⚡ Live
Stub for RBNZ API
|
🏠 Mortgage | 30 Years (360 mo) | 6.75% | fixed | 2026-10-10T00:00:00Z | Calculate → |
|
NZ 2-Year Fixed (RBNZ)
⚡ Live
Stub for RBNZ API
|
🏠 Mortgage | 30 Years (360 mo) | 6.75% | fixed | 2026-10-09T00:00:00Z | Calculate → |
|
NZ 2-Year Fixed (RBNZ)
⚡ Live
Stub for RBNZ API
|
🏠 Mortgage | 30 Years (360 mo) | 6.75% | fixed | 2026-10-08T00:00:00Z | Calculate → |
|
NZ 2-Year Fixed (RBNZ)
⚡ Live
Stub for RBNZ API
|
🏠 Mortgage | 30 Years (360 mo) | 6.75% | fixed | 2026-10-08T00:00:00Z | Calculate → |
|
NZ 2-Year Fixed (RBNZ)
⚡ Live
Stub for RBNZ API
|
🏠 Mortgage | 30 Years (360 mo) | 6.75% | fixed | 2026-10-08T00:00:00Z | Calculate → |
|
NZ 2-Year Fixed (RBNZ)
⚡ Live
Stub for RBNZ API
|
🏠 Mortgage | 30 Years (360 mo) | 6.75% | fixed | 2026-10-08T00:00:00Z | Calculate → |
|
NZ 2-Year Fixed (RBNZ)
⚡ Live
Stub for RBNZ API
|
🏠 Mortgage | 30 Years (360 mo) | 6.75% | fixed | 2026-10-08T00:00:00Z | Calculate → |
|
NZ 2-Year Fixed (RBNZ)
⚡ Live
Stub for RBNZ API
|
🏠 Mortgage | 30 Years (360 mo) | 6.75% | fixed | 2026-10-08T00:00:00Z | Calculate → |
|
NZ 2-Year Fixed (RBNZ)
⚡ Live
Stub for RBNZ API
|
🏠 Mortgage | 30 Years (360 mo) | 6.75% | fixed | 2026-10-08T00:00:00Z | Calculate → |
|
NZ 2-Year Fixed (RBNZ)
⚡ Live
Stub for RBNZ API
|
🏠 Mortgage | 30 Years (360 mo) | 6.75% | fixed | 2026-10-07T00:00:00Z | Calculate → |
|
NZ 2-Year Fixed (RBNZ)
⚡ Live
Stub for RBNZ API
|
🏠 Mortgage | 30 Years (360 mo) | 6.75% | fixed | 2026-10-06T00:00:00Z | Calculate → |
|
NZ 2-Year Fixed (RBNZ)
⚡ Live
Stub for RBNZ API
|
🏠 Mortgage | 30 Years (360 mo) | 6.75% | fixed | 2026-10-05T00:00:00Z | Calculate → |
|
NZ 2-Year Fixed (RBNZ)
⚡ Live
Stub for RBNZ API
|
🏠 Mortgage | 30 Years (360 mo) | 6.75% | fixed | 2026-10-04T00:00:00Z | Calculate → |
|
NZ 2-Year Fixed (RBNZ)
⚡ Live
Stub for RBNZ API
|
🏠 Mortgage | 30 Years (360 mo) | 6.75% | fixed | 2026-10-03T00:00:00Z | Calculate → |
|
NZ 2-Year Fixed (RBNZ)
⚡ Live
Stub for RBNZ API
|
🏠 Mortgage | 30 Years (360 mo) | 6.75% | fixed | 2026-10-03T00:00:00Z | Calculate → |
|
NZ 2-Year Fixed (RBNZ)
⚡ Live
Stub for RBNZ API
|
🏠 Mortgage | 30 Years (360 mo) | 6.75% | fixed | 2026-10-02T00:00:00Z | Calculate → |
|
NZ 2-Year Fixed (RBNZ)
⚡ Live
Stub for RBNZ API
|
🏠 Mortgage | 30 Years (360 mo) | 6.75% | fixed | 2026-10-01T00:00:00Z | Calculate → |
|
NZ 2-Year Fixed (RBNZ)
⚡ Live
Stub for RBNZ API
|
🏠 Mortgage | 30 Years (360 mo) | 6.75% | fixed | 2026-09-30T00:00:00Z | Calculate → |
|
NZ 2-Year Fixed (RBNZ)
⚡ Live
Stub for RBNZ API
|
🏠 Mortgage | 30 Years (360 mo) | 6.75% | fixed | 2026-09-30T00:00:00Z | Calculate → |
|
NZ 2-Year Fixed (RBNZ)
⚡ Live
Stub for RBNZ API
|
🏠 Mortgage | 30 Years (360 mo) | 6.75% | fixed | 2026-09-30T00:00:00Z | Calculate → |
|
NZ 2-Year Fixed (RBNZ)
⚡ Live
Stub for RBNZ API
|
🏠 Mortgage | 30 Years (360 mo) | 6.75% | fixed | 2026-09-30T00:00:00Z | Calculate → |
|
NZ 2-Year Fixed (RBNZ)
⚡ Live
Stub for RBNZ API
|
🏠 Mortgage | 30 Years (360 mo) | 6.75% | fixed | 2026-09-30T00:00:00Z | Calculate → |
|
NZ 2-Year Fixed (RBNZ)
⚡ Live
Stub for RBNZ API
|
🏠 Mortgage | 30 Years (360 mo) | 6.75% | fixed | 2026-09-30T00:00:00Z | Calculate → |
|
NZ 2-Year Fixed (RBNZ)
⚡ Live
Stub for RBNZ API
|
🏠 Mortgage | 30 Years (360 mo) | 6.75% | fixed | 2026-09-30T00:00:00Z | Calculate → |
|
NZ 2-Year Fixed (RBNZ)
⚡ Live
Stub for RBNZ API
|
🏠 Mortgage | 30 Years (360 mo) | 6.75% | fixed | 2026-09-29T00:00:00Z | Calculate → |
|
NZ 2-Year Fixed (RBNZ)
⚡ Live
Stub for RBNZ API
|
🏠 Mortgage | 30 Years (360 mo) | 6.75% | fixed | 2026-09-29T00:00:00Z | Calculate → |
|
NZ 2-Year Fixed (RBNZ)
⚡ Live
Stub for RBNZ API
|
🏠 Mortgage | 30 Years (360 mo) | 6.75% | fixed | 2026-09-29T00:00:00Z | Calculate → |
|
NZ 2-Year Fixed (RBNZ)
⚡ Live
Stub for RBNZ API
|
🏠 Mortgage | 30 Years (360 mo) | 6.75% | fixed | 2026-09-29T00:00:00Z | Calculate → |
|
NZ 2-Year Fixed (RBNZ)
⚡ Live
Stub for RBNZ API
|
🏠 Mortgage | 30 Years (360 mo) | 6.75% | fixed | 2026-09-29T00:00:00Z | Calculate → |
|
NZ 2-Year Fixed (RBNZ)
⚡ Live
Stub for RBNZ API
|
🏠 Mortgage | 30 Years (360 mo) | 6.75% | fixed | 2026-09-29T00:00:00Z | Calculate → |
|
NZ 2-Year Fixed (RBNZ)
⚡ Live
Stub for RBNZ API
|
🏠 Mortgage | 30 Years (360 mo) | 6.75% | fixed | 2026-09-28T00:00:00Z | Calculate → |
|
NZ 2-Year Fixed (RBNZ)
⚡ Live
Stub for RBNZ API
|
🏠 Mortgage | 30 Years (360 mo) | 6.75% | fixed | 2026-09-27T00:00:00Z | Calculate → |
|
NZ 2-Year Fixed (RBNZ)
⚡ Live
Stub for RBNZ API
|
🏠 Mortgage | 30 Years (360 mo) | 6.75% | fixed | 2026-09-27T00:00:00Z | Calculate → |
|
NZ 2-Year Fixed (RBNZ)
⚡ Live
Stub for RBNZ API
|
🏠 Mortgage | 30 Years (360 mo) | 6.75% | fixed | 2026-09-26T00:00:00Z | Calculate → |
|
NZ 2-Year Fixed (RBNZ)
⚡ Live
Stub for RBNZ API
|
🏠 Mortgage | 30 Years (360 mo) | 6.75% | fixed | 2026-09-25T00:00:00Z | Calculate → |
|
NZ 2-Year Fixed (RBNZ)
⚡ Live
Stub for RBNZ API
|
🏠 Mortgage | 30 Years (360 mo) | 6.75% | fixed | 2026-09-24T00:00:00Z | Calculate → |
|
NZ 2-Year Fixed (RBNZ)
⚡ Live
Stub for RBNZ API
|
🏠 Mortgage | 30 Years (360 mo) | 6.75% | fixed | 2026-09-23T00:00:00Z | Calculate → |
|
NZ 2-Year Fixed (RBNZ)
⚡ Live
Stub for RBNZ API
|
🏠 Mortgage | 30 Years (360 mo) | 6.75% | fixed | 2026-09-22T00:00:00Z | Calculate → |
|
NZ 2-Year Fixed (RBNZ)
⚡ Live
Stub for RBNZ API
|
🏠 Mortgage | 30 Years (360 mo) | 6.75% | fixed | 2026-09-21T00:00:00Z | Calculate → |
|
NZ 2-Year Fixed (RBNZ)
⚡ Live
Stub for RBNZ API
|
🏠 Mortgage | 30 Years (360 mo) | 6.75% | fixed | 2026-09-20T00:00:00Z | Calculate → |
|
NZ 2-Year Fixed (RBNZ)
⚡ Live
Stub for RBNZ API
|
🏠 Mortgage | 30 Years (360 mo) | 6.75% | fixed | 2026-09-19T00:00:00Z | Calculate → |
|
NZ 2-Year Fixed (RBNZ)
⚡ Live
Stub for RBNZ API
|
🏠 Mortgage | 30 Years (360 mo) | 6.75% | fixed | 2026-09-18T00:00:00Z | Calculate → |
|
NZ 2-Year Fixed (RBNZ)
⚡ Live
Stub for RBNZ API
|
🏠 Mortgage | 30 Years (360 mo) | 6.75% | fixed | 2026-09-18T00:00:00Z | Calculate → |
|
NZ 2-Year Fixed (RBNZ)
⚡ Live
Stub for RBNZ API
|
🏠 Mortgage | 30 Years (360 mo) | 6.75% | fixed | 2026-09-17T00:00:00Z | Calculate → |
|
NZ 2-Year Fixed (RBNZ)
⚡ Live
Stub for RBNZ API
|
🏠 Mortgage | 30 Years (360 mo) | 6.75% | fixed | 2026-09-16T00:00:00Z | Calculate → |
|
NZ 2-Year Fixed (RBNZ)
⚡ Live
Stub for RBNZ API
|
🏠 Mortgage | 30 Years (360 mo) | 6.75% | fixed | 2026-09-15T00:00:00Z | Calculate → |
|
NZ 2-Year Fixed (RBNZ)
⚡ Live
Stub for RBNZ API
|
🏠 Mortgage | 30 Years (360 mo) | 6.75% | fixed | 2026-09-15T00:00:00Z | Calculate → |
|
Market average
⚡ Live
Example market snapshot. Verify current offers before making a decision.
|
🚗 Auto Loan | 4 Years (48 mo) | 9.95% | fixed | 2026-09-06T00:00:00Z | Calculate → |
|
Market average
⚡ Live
Example market snapshot. Verify current offers before making a decision.
|
🏠 Mortgage | 30 Years (360 mo) | 6.25% | fixed | 2026-09-06T00:00:00Z | Calculate → |
|
Market average
⚡ Live
Example market snapshot. Verify current offers before making a decision.
|
👤 Personal Loan | 5 Years (60 mo) | 12.50% | fixed | 2026-09-06T00:00:00Z | Calculate → |
|
New Zealand 2-Year Fixed Benchmark
|
🏠 Mortgage | 30 Years (360 mo) | 6.25% | fixed | Active Benchmark | Calculate → |
|
New Zealand 1-Year Fixed Benchmark
|
🏠 Mortgage | 30 Years (360 mo) | 6.45% | fixed | Active Benchmark | Calculate → |
|
New Zealand Personal Loan Average
|
👤 Personal Loan | 5 Years (60 mo) | 12.50% | fixed | Active Benchmark | Calculate → |
🏛️
New Zealand Underwriting Guidelines
Statutory Borrowing Rule
RBNZ macroprudential rules: 80% LTV limit for owner-occupiers and 6× DTI ceiling
Mortgage System
Table mortgage with fixed or floating interest
Default Insurance / Guarantee
Standard lender risk provisions apply.
Regulatory Reference