Bank Special Rates Comparison
Min 20% equity · Conditions apply · For adviser reference only
OCR 2.75% · Next review 28 Oct 2026
| Bank | 6 mth | 1 yr | 18 mth | 2 yr | 3 yr | 5 yr |
|---|---|---|---|---|---|---|
| ANZ | 4.79 | 4.99 | 5.45 | 5.49 | — | — |
| ASB | 4.79 | 4.99 | 5.35 | 5.45 | — | — |
| BNZ | 4.79 | 4.99 | 5.29 | 5.45 | — | 5.49 |
| Kiwibank | 4.75 | 4.95 | — | 5.39 | — | — |
| Westpac | 4.75 | 4.99 | 5.35 | 5.45 | 5.39 | 5.49 |
| TSB | 4.79 | 4.99 | 5.19 | — | — | — |
Compiled from RateWise (as at 4 Sep 2026) and MyRefix (checked 15 Sep 2026) · Green = lowest in term · Dashes = not published/confirmed at compile time · Verify against interest.co.nz or the bank directly before quoting to a client
“
An investment in knowledge pays the best interest.
— Benjamin Franklin
Market Snapshot
2.75%
OCR
Raised 25bp, 2 Sep 2026 · Next review 28 Oct 2026
4.95%
Best 1yr Special
Kiwibank · Min 20% equity
5.19%
Best 18mth
TSB Special
“
Financial freedom is available to those who learn about it and work for it.
— Robert Kiyosaki