Swap rates

After three straight years of building back term deposit balances, savers took a break in 2025. Lower rate offers and better alternatives caused the pause

After three straight years of building back term deposit balances, savers took a break in 2025. Lower rate offers and better alternatives caused the pause

Kiwibank's final fixed home loan rate changes set it as the bank with the lowest six month rate, and the highest three year rate, otherwise similar to its main rivals

Kiwibank's final fixed home loan rate changes set it as the bank with the lowest six month rate, and the highest three year rate, otherwise similar to its main rivals

Another large bank hikes most fixed home loan rates, cuts its six month one, and makes wide changes to term deposit rates, adding to the tightening credit conditions. BNZ and TSB follow

Another large bank hikes most fixed home loan rates, cuts its six month one, and makes wide changes to term deposit rates, adding to the tightening credit conditions. BNZ and TSB follow

ANZ, our biggest mortgage lender, raises most fixed home loan rates, but cuts its 6 month one. It also raises TD rates for 1 year & longer

ANZ, our biggest mortgage lender, raises most fixed home loan rates, but cuts its 6 month one. It also raises TD rates for 1 year & longer

The year is ending with selected banks raising longer term deposit rates. The latest is state-owned Kiwibank whose one year TD rate now easily eclipses their big Aussie bank rivals

The year is ending with selected banks raising longer term deposit rates. The latest is state-owned Kiwibank whose one year TD rate now easily eclipses their big Aussie bank rivals

The Co-operative Bank matches Westpac with steep hikes in longer term fixed mortgage rates, but a cut for its 6 month rate to the market's lowest. It also raised long-term TD rates

The Co-operative Bank matches Westpac with steep hikes in longer term fixed mortgage rates, but a cut for its 6 month rate to the market's lowest. It also raised long-term TD rates

The Red Bank hikes some fixed home loan rates by 30 basis points citing recent swap rate movements, also raises some term deposit rates by a similar amount

The Red Bank hikes some fixed home loan rates by 30 basis points citing recent swap rate movements, also raises some term deposit rates by a similar amount

Did your mortgage broker 'suggest' shifting to a floating mortgage rate now in preparation for lower fixed rates in the future would be a good idea? You might want to re-think the quality of that 'suggestion'

Did your mortgage broker 'suggest' shifting to a floating mortgage rate now in preparation for lower fixed rates in the future would be a good idea? You might want to re-think the quality of that 'suggestion'

We go hunting for the reasons fixed home loan rates have not followed the OCR down. Although these reasons are somewhat technical, they are real and may well indicate that fixed mortgage rates are about to go up

We go hunting for the reasons fixed home loan rates have not followed the OCR down. Although these reasons are somewhat technical, they are real and may well indicate that fixed mortgage rates are about to go up

Co-operative Bank first to cut floating mortgage rate following RBNZ's OCR cut with a 31 bps reduction to 4.99%. Westpac, ANZ & ASB cut 20 bps, Kiwibank & BNZ by only 15 bps

Co-operative Bank first to cut floating mortgage rate following RBNZ's OCR cut with a 31 bps reduction to 4.99%. Westpac, ANZ & ASB cut 20 bps, Kiwibank & BNZ by only 15 bps

Not much cheer for savers as 2025 heads towards its end, with term deposit rates being lowered by some, and soft everywhere

Not much cheer for savers as 2025 heads towards its end, with term deposit rates being lowered by some, and soft everywhere

Bank that started the current rate-cutting round in mid-September is back at it again, this time with a one year rate lower than all the main banks

Bank that started the current rate-cutting round in mid-September is back at it again, this time with a one year rate lower than all the main banks

The Red Bank comes back for more, making sure it has two market leading fixed rate terms. It also cuts term deposit rates. The Co-operative Bank cuts both as well

The Red Bank comes back for more, making sure it has two market leading fixed rate terms. It also cuts term deposit rates. The Co-operative Bank cuts both as well

Kiwibank cuts its fixed home loan rates, the last of the majors to move lower in this rate cycle. It now has the lowest fixed six month rate, but me-too for other fixed terms

Kiwibank cuts its fixed home loan rates, the last of the majors to move lower in this rate cycle. It now has the lowest fixed six month rate, but me-too for other fixed terms

Following Tuesday's term deposit rate cuts, BNZ moves to match its main rivals' lowest home loan rate offers for all fixed terms

Following Tuesday's term deposit rate cuts, BNZ moves to match its main rivals' lowest home loan rate offers for all fixed terms