Mortgages
Our goal is to make it quick, easy and free to find out what’s on offer and from who.
| Institute | Product name | Upfront Fees | Advertised Rate | Comparison Rate | Payment Amount | More Info |
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Home Equity (Revolving) | $400 |
5.99% HSBC Premier qualification criteria applies (e.g. combined lending of NZD500,000 or more or NZD100,000 of savings and investments with HSBC). |
6.00% | $1,499.67 | |
Representative example: The advertised rate is 5.99%, so if you borrow $250,000 over 30 years you will pay $400 in Upfront Fees and no Monthly Fees. Your monthly repayment amount will be $1,499.67 and you will pay $539,879.41 in total over the life of the mortgage
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Floating | $500 | 6.15% | 6.17% | $1,526.12 | |
Representative example: The advertised rate is 6.15%, so if you borrow $250,000 over 30 years you will pay $500 in Upfront Fees and no Monthly Fees. Your monthly repayment amount will be $1,526.12 and you will pay $549,401.95 in total over the life of the mortgage
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Flexible Finance Facility | $150 | 6.20% | 6.21% | $1,532.09 | |
Representative example: The advertised rate is 6.20%, so if you borrow $250,000 over 30 years you will pay $150 in Upfront Fees and no Monthly Fees. Your monthly repayment amount will be $1,532.09 and you will pay $551,552.81 in total over the life of the mortgage
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Mortgage One Revolving | $400 | 6.40% | 6.43% | $1,568.27 | |
Representative example: The advertised rate is 6.40%, so if you borrow $250,000 over 30 years you will pay $400 in Upfront Fees and $2 in Monthly Fees. Your monthly repayment amount will be $1,568.27 and you will pay $564,576.05 in total over the life of the mortgage
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Fresh Start - Floating | $350 | 7.65% | 7.66% | $1,776.27 | |
Representative example: The advertised rate is 7.65%, so if you borrow $250,000 over 30 years you will pay $350 in Upfront Fees and no Monthly Fees. Your monthly repayment amount will be $1,776.27 and you will pay $639,456.88 in total over the life of the mortgage
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1 year | $400 |
3.79% HSBC Premier qualification criteria applies (e.g. combined lending of NZD500,000 or more or NZD100,000 of savings and investments with HSBC). |
3.80% | $1,165.33 | |
Representative example: The advertised rate is 3.79%, so if you borrow $250,000 over 30 years you will pay $400 in Upfront Fees and no Monthly Fees. Your monthly repayment amount will be $1,165.33 and you will pay $419,519.60 in total over the life of the mortgage
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1 year fixedLVR <= 80% | $0 | 3.85% | 3.85% | $1,172.02 | |
Representative example: The advertised rate is 3.85%, so if you borrow $250,000 over 30 years you will pay $0 in Upfront Fees and no Monthly Fees. Your monthly repayment amount will be $1,172.02 and you will pay $421,927.41 in total over the life of the mortgage
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Classic 1 yearLVR <= 80% | $400 | 3.85% | 3.86% | $1,173.90 | |
Representative example: The advertised rate is 3.85%, so if you borrow $250,000 over 30 years you will pay $400 in Upfront Fees and no Monthly Fees. Your monthly repayment amount will be $1,173.90 and you will pay $422,602.49 in total over the life of the mortgage
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12 months specialLVR <= 80% | $400 |
3.85% Rates are subject to change without notice. These rates can be booked with a $250 Booked Fixed Rate fee, terms and conditions may apply. These rates are only available for Residential and Residential Investing lending with a minimum of 20% equity (or greater when Residential Investing lending restrictions apply), Welcome Home Loan, or lending where QBE lenders mortgage insurance applies. Available to members with any level of existing lending with SBS Bank or requires new lending of at least $100,000. Not available with commercial or rural loans, or SBS Advance (Reverse Equity Mortgage) loans. Requires primary source of income paid into a SBS Bank transactional account. Welcome Home Loans are supported by Housing New Zealand, are for owner occupied homes only and owners must not own any other property. Specific lending and eligibility criteria and Standard Contract Terms for term Welcome Home Loans, Residential and Residential Investing Loans apply. 1% HNZC premium applies. Credit Fees and Charges may also apply. Copies of our Standard Contract Terms for term Welcome Home Loans, Residential and Residential Investing Loans and Credit Fees and Charges are available on request and free of change from any branch of SBS Bank or at sbsbank.co.nz. |
3.86% | $1,173.90 | |
Representative example: The advertised rate is 3.85%, so if you borrow $250,000 over 30 years you will pay $400 in Upfront Fees and no Monthly Fees. Your monthly repayment amount will be $1,173.90 and you will pay $422,602.49 in total over the life of the mortgage
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Choices Fixed 1 year - special*LVR <= 80% | $400 |
3.85% Salary credit to a Westpac transaction account required. |
3.86% | $1,173.90 | |
Representative example: The advertised rate is 3.85%, so if you borrow $250,000 over 30 years you will pay $400 in Upfront Fees and no Monthly Fees. Your monthly repayment amount will be $1,173.90 and you will pay $422,602.49 in total over the life of the mortgage
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1 yearLVR <= 80% | $500 |
3.85% Minimum 20% equity, ANZ transaction account with salary direct credited. Not available with package discounts. Otherwise, standard rate applies. |
3.87% | $1,174.36 | |
Representative example: The advertised rate is 3.85%, so if you borrow $250,000 over 30 years you will pay $500 in Upfront Fees and no Monthly Fees. Your monthly repayment amount will be $1,174.36 and you will pay $422,771.26 in total over the life of the mortgage
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Fixed 12 months special rateLVR <= 80% | $0 |
3.89% Sovereign loans are only available via a mortgage adviser, an application fee may be charged by the adviser |
3.89% | $1,177.74 | |
Representative example: The advertised rate is 3.89%, so if you borrow $250,000 over 30 years you will pay $0 in Upfront Fees and no Monthly Fees. Your monthly repayment amount will be $1,177.74 and you will pay $423,985.94 in total over the life of the mortgage
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12 month Special RateLVR <= 80% | $150 | 3.89% | 3.89% | $1,178.45 | |
Representative example: The advertised rate is 3.89%, so if you borrow $250,000 over 30 years you will pay $150 in Upfront Fees and no Monthly Fees. Your monthly repayment amount will be $1,178.45 and you will pay $424,240.33 in total over the life of the mortgage
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Fixed - 1 year | $350 | 3.89% | 3.90% | $1,179.39 | |
Representative example: The advertised rate is 3.89%, so if you borrow $250,000 over 30 years you will pay $350 in Upfront Fees and no Monthly Fees. Your monthly repayment amount will be $1,179.39 and you will pay $424,579.52 in total over the life of the mortgage
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1 Year Fixed SpecialLVR <= 80% | $250 |
3.95% You can make extra payments up to $10,000.00 per calendar year. |
3.96% | $1,187.53 | |
Representative example: The advertised rate is 3.95%, so if you borrow $250,000 over 30 years you will pay $250 in Upfront Fees and no Monthly Fees. Your monthly repayment amount will be $1,187.53 and you will pay $427,510.60 in total over the life of the mortgage
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Pages
Monthly payment amount is based on a $250,000 mortgage over 30 years. The amount takes into account Upfront Fees and Monthly Fees and is an indicative payment amount only.
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The calculations for Monthly Payment Amount and Annual Comparison rate are based on a principal amount of $250,000 and a term of 30 years. These figures take into account the Advertised Interest Rate, Upfront Fees and any Monthly Fees. We calculate these figures as it gives our users a better way to compare each loan. All figures are indicative for comparison purposes only, they do not constitute a quote. Users who are looking to enter into a mortgage contract should seek an exact quote from a mortgage broker or from the institution directly.
Monthly payment amount is based on a $250,000 mortgage over 30 years. The amount takes into account Upfront Fees and Monthly Fees and is an indicative payment amount only. The Annual Comparison Rate (APR) takes into account the Advertised Interest Rate, Upfront Fees and any Monthly Fees. We calculate this as it gives our users a better way to compare each loan.
The Annual Comparison Rate (APR) takes into account the Advertised Interest Rate, Upfront Fees and any Monthly Fees. We calculate this as it gives our users a better way to compare each loan.