Stop Guessing.
Start Planning.
Review dated rate references, run your numbers, then ask the right questions — all before you speak to a bank, broker, or lawyer.
These published rates have not been refreshed within 48 hours, so we have hidden the figures. Check lender offers directly or use the rate tool with a planning rate.
Open the rate toolRBNZ market benchmark
Series B20September 2026; released 2026-10-07. Standard advertised/card-rate averages for new borrowers at registered banks, excluding special discounts.
- Floating
- 6.43%
- 1 year
- 5.55%
- 2 years
- 5.86%
Aggregate market reference only — not a lender offer, special rate, recommendation, or personal borrowing rate. The snapshot is manually reviewed; figures expire on 2026-11-06 pending an update.
Information only — not financial advice. Get organised before taking regulated advice.
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Start with the checklist, not the sales pitch
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Rates → Calculator → Next steps
Review dated rate references, run your numbers against real scenarios, then decide who to contact — at your own pace. FHBG does not currently connect you to providers.
Compare Rates
Compare this dated snapshot of published NZ mortgage rates. Offers, eligibility, fees and conditions change; verify current terms with each lender before acting.
We have hidden this older rate snapshot until it is refreshed. Use the rate tool to enter a planning rate, then verify current offers with the lender.
View all ratesRun Your Numbers
Use our calculators to estimate deposit timelines, borrowing power, KiwiSaver withdrawal, and repayment scenarios. No signup, no credit check.
All calculatorsSave Your Planning Request
Save your email and any optional first name with your consent. FHBG may review the request for a possible information-only reply; it does not select or introduce a provider.
Free packs
Start with the stage you are actually in.
Most buyer guides jump straight to "talk to someone". FHBG gives you practical packs first: pre-approval documents, open-home checks, auction prep, offer conditions, KiwiSaver withdrawal, and settlement.
Explore New Zealand locations
Choose an area for practical first-home planning guidance. We hide suburb market figures until they can be verified from current, traceable sources.
Auckland Central
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Review local buyer essentials and check current property, council, transport, and school information with official sources.
Henderson
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Review local buyer essentials and check current property, council, transport, and school information with official sources.
Ponsonby
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Review local buyer essentials and check current property, council, transport, and school information with official sources.
Manurewa
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Review local buyer essentials and check current property, council, transport, and school information with official sources.
CBD
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Review local buyer essentials and check current property, council, transport, and school information with official sources.
Karori
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Review local buyer essentials and check current property, council, transport, and school information with official sources.
How buyers use the 3-step plan.
Example pathways showing how rates, calculators, and match requests work together.
Hypothetical examples, not customer testimonials. Images are AI-generated for illustration.
"Checked the rates page first, then ran the deposit calculator — realised they could look in Upper Hutt instead of central Wellington. Saved the match request when they were ready to talk to a broker."
The Regional Shifter
ExampleRelocated to Upper Hutt, WGTN
"The borrowing check showed a realistic range before approaching a bank. Used the match form to save questions for a mortgage adviser — went into the first meeting with confidence."
The Auckland Couple
ExampleWest Auckland Homeowners
"Being a single buyer in Christchurch, having the checklist and rate data upfront meant they never felt pushed into a rushed decision. The match step let them find a lawyer on their own terms."
The Solo Strategist
ExamplePurchased in Ilam, CHCH
Your first home is closer than you think
Start with the dated rate snapshot, verify current lender offers, run your numbers, then save your questions for the right professional. It takes less than 2 minutes.
Information only — no obligation, no credit check