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Home loans

Today's advertised home loan interest rates

Whether you go fixed or floating, one year or five, the rate and term you choose shape both your repayments and the total cost of your loan. Compare today's advertised rates below and estimate your repayments with our calculator.

We can often negotiate a sharper rate than the ones advertised. Book a free, no-obligation chat with a dosh adviser to talk through your options.

Term
Bank
Rate p.a.
Fixed rates
6 months
ANZ
4.69%
1 year
ASB
4.75%
18 months
ASB
5.09%
2 years
ASB
5.25%
3 years
ASB
5.29%
4 years
Westpac
5.39%
5 years
Westpac
5.49%
Floating rate
Floating
BNZ
5.84%

Advertised interest rates require a minimum of 20% equity and are subject to change without notice. Rates are indicative only and may vary based on individual circumstances. Terms, conditions, and lending criteria apply

What could your repayments be?

Get an indicative picture of your repayments. Our advisers will fine-tune this with real lender rates.

Loan amount

$
$100k$2M

Loan term 25 Years

5 Years30 Years
Interest rate View all rates →

Monthly repayment

$0

at 4.79% p.a.

Weekly repayment

$0

at 4.79% p.a.

Rates displayed are for informational purposes only, require a minimum of 20% equity, and are subject to change. The information provided does not constitute financial advice. We recommend seeking advice from a dosh mortgage advisor before taking out a home loan. Lending criteria, terms, and conditions apply to all home loans through dosh.

Check our latest guide on mortgage rates

Deciding on your home loan interest rate and term can be a daunting task. In our latest guide on mortgage rates, we walk you through what's been happening in the market lately and how that can help influence your decision.

Want to chat it through with one of our home loan advisers? Book a free, no-obligation chat or call 0800 367 469.

Interest rate guide

Jason made my home loan refinance incredibly easy. Clear communication, fast turnaround, and always available when it mattered. The level of service was top shelf — professional, stress-free, and done right the first time. Highly recommend.

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