Interest rate sheet | Trade Me Property

	A	B	C	D	E	F	G	H	I	J
1	Last updated: 4th December 2025			Loan terms & Interest rates %
2	Lender	Loan name	Variable	6 months	1 year	18 months	2 years	3 years	4 years	5 years

3
4	Kiwibank	Special - requires 20% equity		4.75	4.49		4.49	4.85	5.19	5.39
5		Standard	5.8	5.65	5.39	-	5.39	5.65	5.99	6.19
6
7	ANZ	Special - requires 20% equity	-	4.79	4.49	4.49	4.49	4.79
8		Standard	5.89	5.39	5.09	5.09	5.09	5.39	5.39	5.39
9
10	Westpac	Choices Special - requires 20% equity	-	4.89	4.49	4.45	4.45	4.75	4.99	4.99
11		Choices Standard	6.09	5.49	5.09	5.05	5.05	5.35	5.59	5.59
12
13	ASB	Standard - requires 20% equity	5.99	4.85	4.49	4.45	4.49	4.79	5.09	5.15
14
15	BNZ	Standard	5.99	4.79	4.49	4.45	4.49	4.79	4.99	4.99
16
17	TSB	Special - requires 20% equity	5.94	4.79	4.39	4.65	4.49	4.79	5.09	5.39
18		Standard	6.74	5.59	5.19	5.45	5.29	5.59	5.89	6.19
19
20
21	Co-operative Bank	Special - requires 20% equity	5.3	5.29	4.95	4.99	4.99	5.29	5.49	5.69
22		Standard - less than 20% equity & investment	5.3	4.79	4.45	4.49	4.49	4.79	4.99	5.19
23
24	SBS Bank	Special - requires 20% equity (5% for FHBs)		4.79	4.49	4.49	4.49	4.79	4.99	4.99
25		Standard	5.99	5.39	5.09	5.09	5.09	5.39	5.59	5.59
26		FirstHome Combo			3.99 (1 yr only)
27
28	ICBC	Special	5.39	4.69	4.25	4.29	4.59	4.79	4.99	4.99
29
30	CCB	Special (requires 20% equity)	5.89	4.79	4.49	4.49	4.49	4.79	4.99	4.99
31		Standard	5.89	5.73	5.49	5.49	5.49	5.79	5.99	5.99
32
33	BOC	Special (requires 20% equity)	5.35	4.68	4.28	4.38	4.58	4.78	4.95	4.95
34		Standard	7.25	5.68	5.28	5.38	5.58	5.78	5.95	5.95
35
36	Baroda	Standard	7.24	5.24	4.74	-	4.99	-	-	-
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100