Fixed home loan rates this week
Rates as at 19 Oct 2026
As at 25 Sep 2026, the lowest advertised 1-year special is 4.85% (TSB). 8 of 8 tracked lenders updated their rates in the last 7 days.
| Lender | Floating | 6 months | 1 year | 18 months | 2 years | 3 years | 4 years | 5 years | As at |
|---|---|---|---|---|---|---|---|---|---|
| ANZ | 6.29% | 4.79% | 4.99% | 5.45% | 5.49% | 5.59% | 6.39% | 6.49% | 25 Sep |
| ASB | 6.29% | 4.79% | 4.99% | 5.35% | 5.45% | 5.45% | 5.49% | 5.59% | 25 Sep |
| BNZ | 6.34% | 4.89% | 5.19% | 5.29% | 5.35% | 5.59% | 5.65% | 5.75% | 25 Sep |
| The Co-operative Bank | 5.69% | 4.89% | 5.19% | 5.35% | 5.49% | 5.69% | 5.89% | 5.99% | 25 Sep |
| Kiwibank | 6.25% | 4.85% | 5.15% | — | 5.39% | 5.59% | 5.79% | 5.89% | 25 Sep |
| SBS Bank | 6.34% | 4.79% | 4.99% | 5.29% | 5.44% | 5.44% | 5.49% | 5.49% | 25 Sep |
| TSB | 6.29% | 4.79% | 4.85% | 5.35% | 5.49% | 5.69% | 5.89% | 5.99% | 25 Sep |
| Westpac | 6.39% | 4.89% | 5.19% | 5.45% | 5.29% | 5.59% | 5.65% | 5.75% | 25 Sep |
Advertised special rates; the lowest for each term is in bold. Conditions apply (typically 20% equity).
OCR outlook
The Official Cash Rate is 2.75%, in effect since 2 Sep 2026.
Projected quarterly averages from the Reserve Bank's Monetary Policy Statement of 2 Sep 2026.
- Q4 20262.80%
- Q1 20273.00%
- Q2 20273.10%
- Q3 20273.10%
- Q4 20273.20%
- Q1 20283.20%
- Q2 20283.20%
- Q3 20283.20%
- Q4 20283.20%
- Q1 20293.30%
- Q2 20293.30%
- Q3 20293.30%