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 |
|---|---|---|---|---|---|---|
 | Rapid Repay Revolving | $400 | 5.95% Transaction fees apply | 5.98% | $1,495.23 | |
Representative example: The advertised rate is 5.95%, 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 $1,495.23 and you will pay $538,284.47 in total over the life of the mortgage | ||||||
 | Floating rate for First Mortgage | $300 | 5.95% | 5.96% | $1,492.64 | |
Representative example: The advertised rate is 5.95%, so if you borrow $250,000 over 30 years you will pay $300 in Upfront Fees and no Monthly Fees. Your monthly repayment amount will be $1,492.64 and you will pay $537,349.79 in total over the life of the mortgage | ||||||
 | Choices Floating | $400 | 5.95% | 5.96% | $1,493.23 | |
Representative example: The advertised rate is 5.95%, 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 $1,493.23 and you will pay $537,564.47 in total over the life of the mortgage | ||||||
| Choices Everyday Floating | $400 | 5.95% | 6.03% | $1,503.18 | |
Representative example: The advertised rate is 5.95%, so if you borrow $250,000 over 30 years you will pay $400 in Upfront Fees and $9.95 in Monthly Fees. Your monthly repayment amount will be $1,503.18 and you will pay $541,146.47 in total over the life of the mortgage | ||||||
| Choices Offset Floating | $400 | 5.95% | 6.03% | $1,503.23 | |
Representative example: The advertised rate is 5.95%, so if you borrow $250,000 over 30 years you will pay $400 in Upfront Fees and $10 in Monthly Fees. Your monthly repayment amount will be $1,503.23 and you will pay $541,164.47 in total over the life of the mortgage | ||||||
 | Home Equity (Revolving) | $400 | 6.09% HSBC Premier qualification criteria applies (e.g. combined lending of NZD500,000 or more or NZD100,000 of savings and investments with HSBC). | 6.10% | $1,515.79 | |
Representative example: The advertised rate is 6.09%, 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 $1,515.79 and you will pay $545,685.81 in total over the life of the mortgage | ||||||
 | 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 | ||||||
 | Flexible Finance Facility | $150 | 6.30% | 6.31% | $1,548.36 | |
Representative example: The advertised rate is 6.30%, 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 $1,548.36 and you will pay $557,409.76 in total over the life of the mortgage | ||||||
| Mortgage One Revolving | $400 | 6.50% | 6.53% | $1,584.70 | |
Representative example: The advertised rate is 6.50%, 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 $1,584.70 and you will pay $570,491.40 in total over the life of the mortgage | ||||||
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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.