Interest Rates (For all New Lending)

Interest Rates for Specialist Products vary depending on a number of factors including your credit profile, loan to value ratio and property location. Our variable rates vary from 6.74%pa to 9.64%pa.

Prime Investment Loans for both Variable and Fixed Loans have increased rates by 0.40%, for LVR’s from 60.01 to 80%.

Standard Prime (<60% LVR)

Interest Rate (p.a.)
Variable Rate 5.00%
Fixed 2 Years 4.75%

Standard Prime (<80% LVR)

Interest Rate (p.a.)
Variable Rate 5.30%
Fixed 1 Year 4.86%
Fixed 2 Years 4.94%
Fixed 3 Years 5.30%
Fixed 4 Years 5.50%
Fixed 5 Years 5.67%

Standard Prime (<85% LVR)

Interest Rate (p.a.)
Variable Rate 5.80%
Fixed 1 Year 5.36%
Fixed 2 Years 5.44%
Fixed 3 Years 5.80%
Fixed 4 Years 6.00%
Fixed 5 Years 6.17%

Standard Prime (<90% LVR)

Interest Rate (p.a.)
Variable Rate 6.30%
Fixed 1 Year 5.86%
Fixed 2 Years 5.94%
Fixed 3 Years 6.30%
Fixed 4 Years 6.50%
Fixed 5 Years 6.67%

Low Doc Prime

Interest Rate (p.a.)
Variable Rate 5.80%
Fixed 1 Year 5.36%
Fixed 2 Years 5.44%
Fixed 3 Years 5.80%
Fixed 4 Years 6.00%
Fixed 5 Years 6.17%


All credit applications will be subject to our usual lending criteria, terms and conditions.  Fees may apply.  Loans are for residential New Zealand property only.
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