# Mortgage rates

> Home loan rates from ANZ, ASB, BNZ, Westpac and Kiwibank, read from each bank's own website, and what each one charges if you have less than 20% equity.

- [Mortgage rates NZ: compare home loan rates from the main banks](https://buyingahouse.co.nz/mortgage-rates/compare): Compare fixed and floating home loan rates from ANZ, ASB, BNZ, Westpac and Kiwibank, checked on each bank's own website on 11 November 2026. The lowest 1-year rate is 4.99%.
- [ANZ mortgage rates: fixed and floating home loan rates](https://buyingahouse.co.nz/mortgage-rates/anz): ANZ's home loan rates for all fixed terms and floating, checked on its website on 11 November 2026. The 1-year rate is 4.99%. Compare them with the other main banks.
- [ASB mortgage rates: fixed and floating home loan rates](https://buyingahouse.co.nz/mortgage-rates/asb): ASB's home loan rates for all fixed terms and floating, checked on its website on 11 November 2026. The 1-year rate is 4.99%. Compare them with the other main banks.
- [BNZ mortgage rates: fixed and floating home loan rates](https://buyingahouse.co.nz/mortgage-rates/bnz): BNZ's home loan rates for all fixed terms and floating, checked on its website on 11 November 2026. The 1-year rate is 4.99%. Compare them with the other main banks.
- [Westpac mortgage rates: fixed and floating home loan rates](https://buyingahouse.co.nz/mortgage-rates/westpac): Westpac's home loan rates for all fixed terms and floating, checked on its website on 11 November 2026. The 1-year rate is 5.19%. Compare them with the other main banks.
- [Kiwibank mortgage rates: fixed and floating home loan rates](https://buyingahouse.co.nz/mortgage-rates/kiwibank): Kiwibank's home loan rates for all fixed terms and floating, checked on its website on 11 November 2026. The 1-year rate is 5.15%. Compare them with the other main banks.