Smarter mortgage decisions
for Kiwi
Homeowners
First Home Buyers
Investors
Professionals
Homeowners
Compare rates from every major NZ lender, get a heads-up when something better lands, and see what refinancing could save you in seconds. Built for New Zealand, always free.
Mortgage Balance
Estimated based on current payment amount
Mortgage Health Score
65 /100
- Interest Rate
- 18.0/30
- Debt-to-Income
- 18.0/30
- Equity
- 22.0/25
- Repayments
- 7.0/15
Best Rates Today
18 Jul-
6 months
Kiwibank
4.65%
-
1 year
ASB Bank
4.65%
-
2 years
Westpac New Zealand
5.19%
-
3 years
ASB Bank
5.29%
Latest Rate Changes
-
TSB Bank
Variable floating (special) · 16 hours ago
+0.25%
now 6.04%
-
TSB Bank
Variable floating · 16 hours ago
+0.25%
now 6.84%
-
Co-operative Bank
Variable floating (special) · 1 day ago
+0.35%
now 5.34%
Official Cash Rate
2.50%
RBNZ, last 6 years
Rates from all the leading banks and lenders in New Zealand
Why Rate Wise exists
Most of us refix at whatever the bank first offers, and the banks are counting on it. Rate Wise watches every lender, every day, so the market has to earn your mortgage rather than inherit it.
What you get
The whole picture, on one screen
Rates, repayments, equity and what to do about them. Swipe through what's inside, or see the lot on the features page.
Explore every feature- Mortgage Health Score
- See at a glance how hard your mortgage is working for you, and exactly what to do next.
- Daily Rate Updates
- Every major NZ lender, refreshed every day. Spot a better deal the moment it appears.
- Personalised Insights
- Recommendations shaped around your numbers, not generic advice. So your next move is always clear.
- Refinancing Calculator
- See exactly what switching could save you, including the break-even point. No spreadsheet required.
- Smart Notifications
- We'll let you know the moment rates move, or when it's worth giving your loan a fresh look.
Live from the market
Today's lowest rates
Checked daily across every major NZ lender. Updated 17 Jul 2026. See every rate
- Fixed 6 months
- 4.65%
- Kiwibank, special
- Fixed 1 year
- 4.65%
- ASB Bank
- Fixed 2 years
- 5.19%
- Westpac New Zealand, special
- Fixed 3 years
- 5.29%
- ASB Bank
Recent movements
-
17 Jul
TSB Bank variable floating (special)
17 Jul ·
5.796.04% +0.25 -
17 Jul
TSB Bank variable floating
17 Jul ·
6.596.84% +0.25 -
16 Jul
Co-operative Bank variable floating (special)
16 Jul ·
4.995.34% +0.35 -
16 Jul
Co-operative Bank variable floating
16 Jul ·
4.995.34% +0.35 -
16 Jul
Co-operative Bank 6 months (special)
16 Jul ·
4.594.69% +0.10 -
16 Jul
Co-operative Bank 1 year (special)
16 Jul ·
4.694.79% +0.10
Privacy
Your numbers stay yours
- Never sold
- We don't sell or trade your personal or financial details, to lenders, brokers or anyone else. There are no ads and no sponsored placements.
- Only what's needed
- We ask for the details that make your numbers accurate and nothing more. No documents, no credit checks, no calls.
- Yours to remove
- Update or delete any detail, or your whole account, whenever you like. When it's gone, it's gone.
Why Rate Wise
Why homeowners pick Rate Wise
The banks have whole teams working on their side of your mortgage. This is what having one on yours looks like.
Made for New Zealand
All the major NZ banks and lenders, RBNZ cash rate tracking, and tools that reflect how home loans actually work here.
Always watching
Rates from nine lenders and every OCR announcement, checked daily. You hear about the moves that matter to your loan.
Private by default
Your financial data is encrypted, never sold, and never shared with a lender unless you choose to.
Free, with no catch
No subscriptions, no ads, no premium tier. Every feature is available to every homeowner, because good financial tools should be.
See what your mortgage could look like
Join the Kiwi homeowners who check the whole market before they refix. Free, no credit card, set up in a couple of minutes.