Find Your Financial Edge.
Comparing the 2026 mortgage market across New Zealand's major lenders. From big banks to non-bank specialists, we help you find the right fit.
Don't apply alone.
Match with an Expert.
"Most first home buyers get a better rate via a broker than by going direct to the bank. Our match service connects you with vetted specialists who work for you, not the lender."
Market Directory
Live tracking of major NZ lenders and current indicative rates
BNZ
Classic Fixed
Indicative Rates
4.69% - 4.85%
Kiwibank
First Home Specialist
Indicative Rates
4.59% - 4.79%
Westpac
Solid Foundations
Indicative Rates
4.75% - 4.95%
ANZ
The Big One
Indicative Rates
4.79% - 4.99%
Commercial Disclosure
First Home Buyers Guide is a referral platform. When you match with a broker through our concierge service, we may receive a referral fee from the provider. Our lists are curated based on market data and lender suitability for first-time buyers in the 2026 NZ market environment.
Confused about rates?
Interest rates aren't the only factor. Cashback offers, offset accounts, and floating options can save you more than a 0.1% rate difference. Talk to a specialist who knows the math.