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5.0
The Latest Interest Rates
| Institution | Product | Variable floating | 6 months | 1 year | 18 months | 2 years | 3 years | 4 years | 5 years |
|---|---|---|---|---|---|---|---|---|---|
| ANZ | Standard | 5.79% | 5.09% | 5.29% | 5.59% | 5.89% | 6.09% | 6.19% | 6.29% |
| Special LVR under 80% | - | 4.49% | 4.69% | 4.99% | 5.29% | 5.49% | - | - | |
| Reno loan - Up to $50K | - | - | - | - | - | 2.50% | - | - | |
| Good Energy - Up to $80K | - | - | - | - | - | 1.00% | - | - | |
| ASB | Standard | 5.79% | 4.49% | 4.65% | 4.95% | 5.25% | 5.49% | 5.69% | 5.89% |
| BNZ | Standard | 5.84% | 4.49% | 4.65% | 4.95% | 5.19% | 5.39% | 5.59% | 5.79% |
| Better Future Home Loan | - | - | - | - | - | 1.00% | - | - | |
| Bank of China | Standard | 7.00% | 5.38% | 5.58% | 5.68% | 5.88% | 6.18% | 6.48% | 6.68% |
| Special | 5.10% | 4.38% | 4.58% | 4.68% | 4.88% | 5.18% | 5.48% | 5.68% | |
| Co-operative Bank | Standard | 4.99% | 5.09% | 5.15% | 5.49% | 5.79% | 5.99% | 6.25% | 6.39% |
| Owner Occupied | 4.99% | 4.59% | 4.65% | 4.99% | 5.29% | 5.49% | 5.75% | 5.89% | |
| Heartland Bank | Residential | 5.80% | - | 5.89% | - | - | - | - | - |
| ICBC | Special | 5.39% | 4.39% | 4.49% | 4.65% | 4.89% | 5.15% | 5.45% | 5.65% |
| Kiwibank | Standard | 5.75% | 5.39% | 5.65% | - | 6.19% | 6.35% | 6.59% | 6.69% |
| Special | - | 4.49% | 4.75% | - | 5.29% | 5.55% | 5.89% | 5.99% | |
| SBS Bank | Residential | 5.84% | 5.09% | 5.29% | 5.55% | 5.79% | 5.99% | 6.19% | 6.39% |
| Special | - | 4.49% | 4.69% | 4.95% | 5.19% | 5.39% | 5.59% | 5.79% | |
| TSB Bank | Standard | 6.59% | 5.39% | 5.49% | 5.89% | 6.05% | 6.29% | 6.69% | 6.79% |
| Special LVR <80% | 5.79% | 4.59% | 4.69% | 5.09% | 5.25% | 5.49% | 5.89% | 5.99% | |
| Westpac | Standard | 5.89% | 5.29% | 5.39% | 5.69% | 5.79% | 6.09% | 6.19% | 6.39% |
| Special LVR < 80% | - | 4.69% | 4.79% | 5.09% | 5.19% | 5.49% | 5.59% | 5.79% | |
| Welcome | Short-term first mortgages from: | 6.50% | 6.75% | 6.95% | - | 7.25% | 7.25% | - | - |
Standard Rates
Co-operative Bank
Standard
4.99%
Co-operative Bank
Owner Occupied
4.99%
Kiwibank
Standard
5.75%
ANZ
Standard
5.79%
ASB
Standard
5.79%
Heartland Bank
Residential
5.80%
BNZ
Standard
5.84%
SBS Bank
Residential
5.84%
Westpac
Standard
5.89%
Welcome
Short-term first mortgages from:
6.50%
TSB Bank
Standard
6.59%
Bank of China
Standard
7.00%
Special Rates
Bank of China
Special
5.10%
ICBC
Special
5.39%
TSB Bank
Special LVR <80%
5.79%
Standard Rates
ASB
Standard
4.49%
BNZ
Standard
4.49%
Co-operative Bank
Owner Occupied
4.59%
ANZ
Standard
5.09%
Co-operative Bank
Standard
5.09%
SBS Bank
Residential
5.09%
Westpac
Standard
5.29%
Bank of China
Standard
5.38%
Kiwibank
Standard
5.39%
TSB Bank
Standard
5.39%
Welcome
Short-term first mortgages from:
6.75%
Special Rates
Bank of China
Special
4.38%
ICBC
Special
4.39%
ANZ
Special LVR under 80%
4.49%
Kiwibank
Special
4.49%
SBS Bank
Special
4.49%
TSB Bank
Special LVR <80%
4.59%
Westpac
Special LVR < 80%
4.69%
Standard Rates
ASB
Standard
4.65%
BNZ
Standard
4.65%
Co-operative Bank
Owner Occupied
4.65%
Co-operative Bank
Standard
5.15%
ANZ
Standard
5.29%
SBS Bank
Residential
5.29%
Westpac
Standard
5.39%
TSB Bank
Standard
5.49%
Bank of China
Standard
5.58%
Kiwibank
Standard
5.65%
Heartland Bank
Residential
5.89%
Welcome
Short-term first mortgages from:
6.95%
Special Rates
ICBC
Special
4.49%
Bank of China
Special
4.58%
ANZ
Special LVR under 80%
4.69%
SBS Bank
Special
4.69%
TSB Bank
Special LVR <80%
4.69%
Kiwibank
Special
4.75%
Westpac
Special LVR < 80%
4.79%
Standard Rates
ASB
Standard
4.95%
BNZ
Standard
4.95%
Co-operative Bank
Owner Occupied
4.99%
Co-operative Bank
Standard
5.49%
SBS Bank
Residential
5.55%
ANZ
Standard
5.59%
Bank of China
Standard
5.68%
Westpac
Standard
5.69%
TSB Bank
Standard
5.89%
Special Rates
ICBC
Special
4.65%
Bank of China
Special
4.68%
SBS Bank
Special
4.95%
ANZ
Special LVR under 80%
4.99%
TSB Bank
Special LVR <80%
5.09%
Westpac
Special LVR < 80%
5.09%
Standard Rates
BNZ
Standard
5.19%
ASB
Standard
5.25%
Co-operative Bank
Owner Occupied
5.29%
Co-operative Bank
Standard
5.79%
SBS Bank
Residential
5.79%
Westpac
Standard
5.79%
Bank of China
Standard
5.88%
ANZ
Standard
5.89%
TSB Bank
Standard
6.05%
Kiwibank
Standard
6.19%
Welcome
Short-term first mortgages from:
7.25%
Special Rates
Bank of China
Special
4.88%
ICBC
Special
4.89%
SBS Bank
Special
5.19%
Westpac
Special LVR < 80%
5.19%
TSB Bank
Special LVR <80%
5.25%
ANZ
Special LVR under 80%
5.29%
Kiwibank
Special
5.29%
Standard Rates
ANZ
Good Energy - Up to $80K
1.00%
BNZ
Better Future Home Loan
1.00%
ANZ
Reno loan - Up to $50K
2.50%
BNZ
Standard
5.39%
ASB
Standard
5.49%
Co-operative Bank
Owner Occupied
5.49%
Co-operative Bank
Standard
5.99%
SBS Bank
Residential
5.99%
ANZ
Standard
6.09%
Westpac
Standard
6.09%
Bank of China
Standard
6.18%
TSB Bank
Standard
6.29%
Kiwibank
Standard
6.35%
Welcome
Short-term first mortgages from:
7.25%
Special Rates
ICBC
Special
5.15%
Bank of China
Special
5.18%
SBS Bank
Special
5.39%
ANZ
Special LVR under 80%
5.49%
TSB Bank
Special LVR <80%
5.49%
Westpac
Special LVR < 80%
5.49%
Kiwibank
Special
5.55%
Standard Rates
BNZ
Standard
5.59%
ASB
Standard
5.69%
Co-operative Bank
Owner Occupied
5.75%
ANZ
Standard
6.19%
SBS Bank
Residential
6.19%
Westpac
Standard
6.19%
Co-operative Bank
Standard
6.25%
Bank of China
Standard
6.48%
Kiwibank
Standard
6.59%
TSB Bank
Standard
6.69%
Special Rates
ICBC
Special
5.45%
Bank of China
Special
5.48%
SBS Bank
Special
5.59%
Westpac
Special LVR < 80%
5.59%
Kiwibank
Special
5.89%
TSB Bank
Special LVR <80%
5.89%
Standard Rates
BNZ
Standard
5.79%
ASB
Standard
5.89%
Co-operative Bank
Owner Occupied
5.89%
ANZ
Standard
6.29%
Co-operative Bank
Standard
6.39%
SBS Bank
Residential
6.39%
Westpac
Standard
6.39%
Bank of China
Standard
6.68%
Kiwibank
Standard
6.69%
TSB Bank
Standard
6.79%
Special Rates
ICBC
Special
5.65%
Bank of China
Special
5.68%
SBS Bank
Special
5.79%
Westpac
Special LVR < 80%
5.79%
Kiwibank
Special
5.99%
TSB Bank
Special LVR <80%
5.99%
Standard Rate
Special Rate
Last updated: May 21, 2026, 8:53 pm
Our Accomplishments
Celebrating a decade of excellence in financial services
Thanks to our unwavering commitment and the trust of our clients, Fundmaster has been recognised with the ‘NZA Fast Brokerage Award,’ marking our distinguished presence in New Zealand’s financial advisory sector for over a decade.
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YEARS IN BUSINESS
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HAPPY CLIENTS
$ 0 B+
LOAN SETTLEMENTS
Our Services
Fundmaster offers a range of services to help you on your financial journey
Whether you’re exploring home loans, seeking to refinance for better terms, or requiring strategic business finance solutions, our brokers are here to align with your goals for a seamless journey.
Meet our CEO
Dev Dhingra
Meet Dev, the driving force behind Fundmaster. Leading it towards a future of financial empowerment.
Our tailored advice stems from a deep understanding of your needs, led by Dev Dhingra’s vision to secure the best deals for every client.
- Personalised Advice
- Unique Approach
- Hassle Free Process
Client Testimonials
Real stories, real success
a week ago
Dev and Ann have always been wonderful and helpful whenever we have needed them. Always giving the best advice about anything related to finance, that suits not only our current situation but also helps us to plan for a better future
2 weeks ago
Such an amazing service! They provide very professional attention to detail and work really hard for you. I dealt with Sehr, who was very understanding and got results for my loans. I will recommend Fundmaster without hesitation to my family and friends."
3 weeks ago
They are very pretty good at what they are doing specially Dev Paul Dhingra. Level of expertise and experience Dev bring to the table is tremendous. I would highly recommend anyone who is disheartened and would like achieve the goal of buying a house with a lot of lenders option. The only minor part I find it a bit off was at initial stage we were confused providing details as we have to explain it to each n everyone.as on our part thinking we filled the form so they must have all the numbers in front of them. But overall through out the journey they all were very helpful specially Sehr, she was very easy to talk to and go to person, she explained every bit where we were blank. Awesome work and team work made the transaction so smooth that I would certainly ignore the initial catch-up. I would certainly give them 9/10. Isha and Gourav
a month ago
I have been with Fundmaster from our first mortgage. I use them to refinance or get a better fixed rate when due. All my friends and family are told to go to them first, for the best deal and finance terms.
a month ago
I had a very positive experience with Fundmaster. Their team was professional, responsive, and guided me through every step of the mortgage loan process with clarity and patience. They made what could have been a stressful experience feel smooth and manageable.
I highly recommend Fundmaster to anyone looking for a reliable and trustworthy mortgage loan provider. Their service is efficient, transparent, and truly customer-focused.
Our Tools
Plan your future with Fundmaster's financial tools
Whether estimating mortgage repayments, exploring refinancing benefits, or calculating extra repayment savings, our tools empower you with the knowledge to make informed decisions.
Estimate your potential home loan repayments or discover the savings.
Determine your borrowing capacity to kickstart your property adventure.
Learn how much money you pay in principal and interest over time.
Contact Us
Fundmaster is here to guide you every step of the way
Our advisors will expertly guide you helping you achieve your goal faster.
Our FAQs provide clarity as you navigate your financial journey.
IMPORTANT INFORMATION: Any information provided does not constitute an offer of credit and are example of what may be available to you based on the information available. It does not take into account any product features or any applicable fees. Lending criteria and the basis upon which we assess what you may be able to afford may change at any time without notice. For Fixed Rate home loans, break costs may be payable which can be significant if you change the whole or part of your fixed-rate loan or where additional or early repayments are made during the fixed rate period.
