Smarter mortgage decisions
for Kiwi
Homeowners
First Home Buyers
Investors
Professionals
Homeowners
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.
Rates from all the leading banks and lenders in New Zealand.
Built for Kiwi homeowners
Your mortgage, simplified
From live rate comparisons to refinance maths, everything you need to make confident calls on your home loan.
- 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.
Always private
Your privacy matters to us
We believe financial data should remain private. Here's our commitment to you.
- No Hidden Sharing
- We never sell or trade your personal or financial details. Your information stays private.
- Data with Purpose
- We only request details needed to deliver and improve your Rate Wise experience.
- Full Transparency
- You decide what to keep, update, or remove. Your information is always in your hands.
Pay less, sleep easier
Take control of your mortgage
Join the Kiwi homeowners paying less on their mortgage. Personalised insights, timely alerts, and refinance tools that actually help. All free.
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