Sell first
You know the sale result first. Allow for accommodation, storage or moving twice if dates do not overlap.
Ask: where would we live, and what would that cost?Planning your next move
Plan selling and buying a house at the same time.
Compare sell-first, aligned and buy-first scenarios using your own editable figures. The result is a planning reference, not a lender offer or recommendation.
Your entries stay in your browser unless you choose to create a private account. Check the real figures with your lender or adviser and lawyer before making an offer.
Plan the money for my move
Work from the sale through to the next mortgage. Try an expected case and an uncomfortable case before relying on the result.
Align settlements
Sale proceeds may flow into the purchase with less temporary debt, but linked agreements and dates can fail to line up.
Ask: what conditions protect each agreement if a date moves?Buy first
The peak-debt and overlap figures show the pressure before sale proceeds arrive. Approval is never automatic.
Ask: can we carry the lower-price and delayed-sale case?Dated reference information
Advertised NZ mortgage rate references
Source data dated2 Oct 2026, 9:56 am
These are dated reference figures, not confirmation of today’s rates. The source date shows when the provider says its data was updated, not when this page retrieved it. One-year advertised rates are shown in lender order, not ranked from cheapest to dearest. Standard and special products are kept separate because eligibility and product criteria differ.
| Lender | Product | 1 year | Calculator action |
|---|---|---|---|
| ANZ | Standard | 5.59% | Use in calculator |
| ANZ | Special | 4.99% | Use in calculator |
| ASB | Standard | 4.99% | Use in calculator |
| BNZ | Standard | 5.19% | Use in calculator |
| Kiwibank | Standard | 6.05% | Use in calculator |
| Kiwibank | Special | 5.15% | Use in calculator |
| Westpac | Standard | 5.79% | Use in calculator |
| Westpac | Special | 5.19% | Use in calculator |
Show other lenders with standard or special one-year rates
| Lender | Product | 1 year | Calculator action |
|---|---|---|---|
| Bank of Baroda | Standard | 4.99% | Use in calculator |
| Bank of China | Standard | 5.68% | Use in calculator |
| Bank of China | Special | 4.68% | Use in calculator |
| China Construction Bank | Standard | 5.49% | Use in calculator |
| China Construction Bank | Special | 4.49% | Use in calculator |
| Co-operative Bank | Standard | 5.69% | Use in calculator |
| ICBC | Special | 4.65% | Use in calculator |
| Kookmin | Standard | 5.35% | Applied |
| SBS Bank | Special | 4.99% | Use in calculator |
| TSB Bank | Standard | 5.99% | Use in calculator |
| TSB Bank | Special | 5.19% | Use in calculator |
| First CU | Standard | 5.89% | Use in calculator |
| First CU | Special | 5.29% | Use in calculator |
| Police CU | Standard | 4.99% | Use in calculator |
| UnityMoney | Standard | 5.79% | Use in calculator |
| UnityMoney | Special | 4.99% | Use in calculator |
Reference only—not an offer or recommendation. Eligibility, equity or LVR, fees, cashback and other criteria may change the rate available to you. Purpose-specific products are not included in this table. Check the product and current rate directly with the lender or your mortgage adviser.
Feed: RatesAPI.nz. Data is retrieved hourly from interest.co.nz. Please note that the information provided is not guaranteed to be accurate. For the most up-to-date and accurate rates, please check with the provider directly.
Where this information comes from
Official New Zealand guidance checked on 13 August 2026.