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date offeredBankExisting customerLVRCashback6 months12 months18 months2 years3 years4 years5 yearsOffer methodAdditional notes
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31-Oct-2024ANZYes<80%6.29%5.85%5.65%via Mortgage BrokerNew loan
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31-Oct-2024ANZYes<80%$06.29%5.79%5.75%5.65%5.65%5.59%5.59%In-app
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29-Oct-2024ASBYes<80%6.29%5.89%5.59%5.59%5.59%5.69%5.69%Online rate offers via app
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25-Oct-2024ANZYes<80%$06.29%5.89%5.75%5.65%5.65%5.59%5.59%App5.59% rate offer taken away, last day was 24th Oct for offer.
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18-Oct-2024KiwibankYes<80%$1,5005.59%
call centre initially and then offered via email
Was initially offered 5.79% 1 year rate during call, told them anz currently offering customers 5.59% and $5000 cashback (I didn't actually have an offer from other banks). They said they'd check and get back to me via email. Was only offered $1500 cash back as still 1 year left from first cashback offer
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17-Oct-2024KiwibankYes<80%0$5.79%call centre
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17-Oct-2024ASBYes<80%0.00%6.29%5.59%5.59%5.59%5.59%5.69%5.69%Online rate offers via app
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16-Oct-2024WestpacYes<80%$06.75%6.19%5.89%5.69%5.69%5.59%5.59%Call CenterUnable to match anything, carded rate is the lowest they are willing to go. Laughable.
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16-Oct-2024WestpacYes<80%0.00%5.79%Via Mobile Lending Manager
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15-Oct-2024BNZYes<80%6.29%5.59%5.69%5.65%5.59%5.55%5.55%Online rate offers via app
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15-Oct-2024ASBYes<80%$5,0006.49%5.59%5.75%5.59%5.59%5.59%5.59%Via Mobile Lending Manager3 year cashback clawback period
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15-Oct-2024ASBNo<80%6.65%5.59%5.75%5.59%5.59%5.59%5.59%Via broker
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15-Oct-2024ANZYes<80%$506.34%5.59%Broker
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15-Oct-2024ANZYes<80%6.34%5.59%5.75%5.65%5.65%5.59%5.59%Online rate offers via app
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14-Oct-2024westpac Yes<80%5.79%5.79%email
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14-Oct-2024ASBYes<80%0.00%6.45%5.59%5.68%5.59%5.59%5.59%5.59%Via website
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10-Oct-2024ASBYes<80%6.29%5.59%5.68%5.59%5.59%5.59%5.59%App
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10-Oct-2024ANZNo<80%0.90%5.59%Via brokerWas waiting until after OCR to finalise -already had 0.9% CB offer prior to 5.59% rate
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10-Oct-2024ANZYes<80%6.69%5.59%5.79%5.69%5.65%5.59%5.59%App
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9-Oct-2024ASBYes<80%5.59%Via call centreHad been floating for 9 days. Asked them to match ANZ
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9-Oct-2024ANZYes<80%5.59%Via call centreBroke 1 year@6.19% fixed 28th September 2024, no break fee.
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8-Oct-2024ASBYes<80%0.00%6.65%6.09%5.75%5.65%5.59%5.59%5.59%Via website
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8-Oct-2024ANZYes<80%5.59%ANZ mortgage manager
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8-Oct-2024ANZNo<80%0.90%5.59%
Offered through their $50 home loan check-in
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4-Oct-2024BNZYes<80%0.20%6.69%6.09%5.85%5.69%5.65%5.59%5.59%
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4-Oct-2024ANZYes<80%0.40%6.69%6.15%5.79%5.69%5.65%5.59%5.59%Via App, cashback through call centre
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3-Oct-2024ANZYes<80%0.00%6.69%6.15%5.79%5.69%5.65%5.59%5.59%Via AppRefix within cashback clawback window
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2-Oct-2024ANZYes<80%0.00%6.55%5.99%5.69%5.49%5.49%5.39%5.39%Via App
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1-Oct-2024ANZYes<80%$506.69%6.15%5.79%5.69%5.65%5.59%5.59%App, cashback via broker
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1-Oct-2024ANZYes<80%0.40%6.79%6.19%5.85%Via personal banker (call centre)Fixing before discounted floating rate for new build ends
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30-Sep-2024ASBYes<80%0.00%6.79%6.19%5.85%5.79%5.69%5.59%5.59%Via app and broker
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25-Sep-2024SBSYes<80%0.00%6.79%6.19%5.89%Via broker
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24-Sep-2024KiwibankYes<80%$2,5006.15%Call CentreWould not match 1% cashback offer from another bank at same rate
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24-Sep-2024BNZYes<80%0.00%6.79%6.19%5.85%5.69%5.65%5.59%5.59%Via Broker
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23-Sep-2024WestpacYes<80%0.00%6.85%6.19%5.99%5.79%5.79%5.69%5.69%Via AppRefix within cashback clawback window
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23-Sep-2024ANZYes<80%0.00%6.79%6.19%5.85%5.79%5.65%5.59%5.59%Via App and Broker
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20-Sep-2024KiwibankYes<80%0.00%6.85%6.19%5.69%5.69%5.59%5.59%Broker
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18-Sep-2024ASBYes<80%0.00%6.79%6.19%5.85%5.79%5.69%5.59%5.59%Via App
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12-Sep-2024ANZYes<80%$2,5006.65%6.09%5.79%
Counter offer to retain business after approval to move lending to KiwiBank
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11-Sep-2024BNZYes>80%6.79%6.19%5.85%5.69%5.65%5.59%5.59%Via App
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11-Sep-2024ANZYes<80%0.00%6.79%6.19%5.85%5.79%5.65%5.59%5.59%Via App
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6-Sep-2024ANZNo<80%0.90%6.85%6.19%5.89%5.85%5.69%Via Mobile Mortgage Manager
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6-Sep-2024ANZYes<80%6.85%6.19%5.89%5.85%5.69%5.59%5.59%online rate offers via appRefix within 3 year cashback window.
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5-Sep-2024ANZYes<80%0.00%6.85%6.19%5.89%5.85%5.69%5.69%5.59%Via App
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3-Sep-2024KiwibankYes<80%0.90%6.89%6.45%5.99%5.89%5.89%5.89%online rate offers via app
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3-Sep-2024KiwibankYes<80%0.90%6.85%6.35%5.79%5.69%5.69%5.69%Via Kiwibank mortgage manager
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3-Sep-2024ANZYes<80%$1,0006.85%6.29%5.89%5.85%Via Senior Personal Banker<500k
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2-Sep-2024ANZYes<80%0.00%6.85%6.29%5.89%5.85%5.69%5.59%5.59%online rate offers via app600-700k mortgage
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1-Sep-2024ASBYes<80%6.85%6.29%5.93%5.85%5.69%5.69%5.69%online rate offers via appCurrent Orbit overdraft rate: 7.94%
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30-Aug-2024ANZYes<80%0.40%6.85%6.29%5.85%-%-%-%-%
Calls + Emails to personal banker + negotiation
Initially offered 0.3% retention cashbank but managed to get them to increase to 0.4% by threatening to change banks.
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29-Aug-2024WestpacNo<80%6.85%6.45%5.99%5.79%5.79%5.69%5.69%
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28-Aug-2024BNZNo<80%6.85%6.29%5.90%5.85%5.69%5.59%5.59%Through App. Drop on the 12 month since last week. Need to fix today so last update from me.
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28-Aug-2024ANZYes<80%6.85%6.29%5.89%5.85%5.69%5.59%5.59%online rate offers via appRefix within 3 year cashback window.
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26-Aug-2024ASBNo<80%0.80%6.35%5.99%Email comms
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26-Aug-2024ANZYes<80%0.90%6.85%6.45%5.99%5.89%Offers from personal banker via email
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22-Aug-2024ASBYes<80%0.00%6.85%6.35%5.92%5.89%5.79%5.79%5.69%online rate offers via app
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20-Aug-2024WestpacYes​0.00%6.85%6.45%5.99%5.99%5.89%5.79%5.69%app
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20-Aug-2024BNZYes<80%6.85%6.35%5.90%5.89%5.69%5.59%5.59%online rate offers via app
60
20-Aug-2024BNZNo<80%0.85%6.85%6.35%Direct negotiation - new lendingDidn't ask for anthing longer than 12mo. Floating discount of 1.25%
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20-Aug-2024ASBYes<80%0.00%6.85%6.45%5.99%5.99%5.79%5.79%5.69%online rate offers via app
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20-Aug-2024ASBYes<80%6.85%6.45%5.99%5.99%5.79%5.79%5.69%Offers from Mortgage Manager via email
I can offer the following home loan interest rates which are valid until the close of business on Monday 26th August 2024:
:
Floating – I can offer a 0.80%pa discount to the standard housing variable rate for up to 24 months. The standard housing variable rate is reducing to 8.39% on 22nd August meaning you would start on 7.59% and fluctuate accordingly.

Revolving Credit – I can offer a 0.80%pa discount to the Revolving Credit rate for up to 24 months. The Revolving Credit rate is reducing to 8.49% on 22nd August meaning you would start on 7.49% and fluctuate accordingly."
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20-Aug-2024ASBYes<80%0.00%6.89%6.59%6.15%5.99%5.89%5.89%5.89%online rate offers via app
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20-Aug-2024ANZYes<80%$2,0006.85%6.45%5.99%5.99%5.89%5.79%5.69%Special offers team, via App, refixingTried to get 6m rate matching with BNZ 2 their 6.75% but denied
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20-Aug-2024ANZYes<80%0.00%6.69%6.25%5.79%5.79%online rate offers via app
66
19-Aug-2024KiwibankYes<80%0.90%6.59%5.99%Direct negotiation - new lending
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19-Aug-2024ANZYes<80%0.00%6.85%6.45%5.99%5.99%5.89%5.79%5.69%online rate offers via app
68
18-Aug-2024ANZNo<80%5k6.72%6.59%6.49%Face to face banker
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16-Aug-2024WestpacNo<80%0.09%6.85%6.59%6.15%5.99%5.89%5.89%5.89%Broker
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15-Aug-2024BNZYes>80%6.85%6.59%6.15%5.99%5.89%5.89%5.89%Online rate offers via app
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15-Aug-2024ANZYes<80%0.45%6.85%6.59%6.15%5.99%5.89%5.89%5.89%Online rate offers via app
72
13-Aug-2024BNZYes<80%0.00%6.99%6.85%6.49%6.25%5.99%5.99%5.99%Online rate offers via app
73
12-Aug-2024KiwibankYes<80%0.90%6.85%6.65%6.29%6.15%6.15%6.15%new lending offer, move from another bank
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12-Aug-2024BNZYes<80%0.60%6.85%6.58%6.29%6.19%5.95%5.99%5.99%
refix rates via app. cashback upon advising of switching to competitor bank
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9-Aug-2024BNZYes<80%1.00%6.85%6.65%6.29%6.29%5.99%5.99%5.99%
online rate via app. Phone call to get additional cashback
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8-Aug-2024BNZYes<80%0.50%6.85%6.64%6.29%6.14%5.99%5.99%5.99%
Phone call and requested Competitive Rates
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7-Aug-2024ASBYes<80%N/A6.85%6.65%6.29%6.29%5.99%5.99%5.99%Broker
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6-Aug-2024ASBYes<80%N/A6.85%6.64%6.29%6.15%5.99%5.99%5.99%Online rate offers via app
79
5-Aug-2024ASBYes<80%N/A6.85%6.64%6.37%6.23%6.09%6.09%5.99%Online rate offers via app
80
5-Aug-2024ASBNo<80%0.96%6.79%6.65%6.29%6.15%Direct negotiation - new lendingAll big4 offered 6.65 1yr 0.9 cashback except westpac (6.69)
81
5-Aug-2024ASBYes<80%N/A6.83%6.64%6.29%6.14%5.79%5.79%5.79%Online rate offers via app
82
5-Aug-2024ASBYes<80%N/A6.91%6.65%6.39%
Phone call and requested Competitive Rates
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2-Aug-2024WestpacYes<80%N/A6.95%6.75%6.49%6.34%5.99%6.19%5.99%App
84
2-Aug-2024WestpacYes<80%0.30%6.95%6.75%6.49%6.34%5.99%6.19%5.99%email communication
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2-Aug-2024KiwibankYes<80%6.90%6.70%email communication
86
1-Aug-2024ASBYes<80%N/A6.99%6.85%6.69%6.49%6.35%6.29%5.99%Online rate offers via website
87
31-Jul-2024Simplicity Yes<80%N/A6.40%6.40%6.40%6.40%6.40%6.40%6.40%6.4 percent floating
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31-Jul-2024Co-opYes<80%7.00%6.74%6.64%6.44%6.30%6.30%6.30%App
89
31-Jul-2024ASBYes<80%0.00%6.29%6.65%6.39%6.25%6.09%6.09%5.99%Online rate offers via app
90
31-Jul-2024ANZYes<80%6.89%6.64%6.45%6.29%6.19%6.19%6.19%Online rate offers via app
91
31-Jul-2024ANZNo<80%6.85%6.65%6.29%6.29%5.99%5.99%5.99%Online rate offers via app
92
31-Jul-2024ANZYes<80%6.85%6.64%6.37%6.23%6.09%6.09%5.99%Online rate offers via app
93
31-Jul-2024ANZNo<80%6.85%6.62%6.29%
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