Rates

1 Yr 2 Yr 3 Yr 4 Yr Floating
iRefi
Negotiated rates *
4.29% 4.39% 4.79% 5.05% 5.25%
ASB 4.39% 4.69% 4.99% 5.49% 5.80%
ANZ 4.45% 4.65% 5.49% 5.89% 5.79%
BNZ 4.59% 4.69% 4.94% 5.89% 5.95%
Westpac 4.59% 4.69% 4.99% 5.89% 5.90%
SBS 4.69% 4.99% 5.49% 5.69% 5.89%
Kiwibank 4.45% 4.79% 5.25% 5.65% 5.40%

IRefi

1 Yr Fixed: 4.29%
2 Yr Fixed: 4.39%
3 Yr Fixed: 4.79%
4 Yr Fixed: 5.05%
Floating: 5.25%

ASB

ANZ

BNZ

Westpac

SBS

KiwiBank

The iRefi rates are indicative only. They are representative of rates secured recently, but are not guaranteed. The market rates are updated daily and provide a good indication of a bank's stance.

It is important to note that the rates offered are dependant on the individual application being reviewed.

Rate Movement

An important consideration when reviewing your mortgage structure is how rates are likely to change into the future. No one knows what will happen for certain, but we can see how rates have changes in the past to help us predict trends.

How much does it cost to work with iRefi?

At iRefi we have a plan to help you achieve your goals and set you up for a comfortable and stress free retirement, Our customers will save on average $3,500 working with us in the first year. So how much does all this cost you? It's Free!

Should I work directly with the bank, or with a mortgage adviser?

When iRefi is looking to bring on new team members we stress to them that we do not pay commissions and this is an advisory office. Our role is to help clients plan their property investment lifecycle. This also means helping you avoid mistakes. Each of our advisers is encouraged to be an ‘Anteambulo’ (which means to clear the pathway), to make your lives easier with connections to agents, accountants, lawyers and by streamlining the mortgage and insurance processes as much as possible.

iRefi.co.nz advisers are encouraged to challenge your thinking (and assumptions) to make sure you profit from decisions. When talking with prospective clients for the first time, many will ask ‘why should I use a mortgage broker?’. People want to know why a broker is better than going direct to the bank. This is not quite the right question. The right question is ‘who will I get the best rates AND mortgage advice from?’. Property investors with an eye for the long term should use a Mortgage Adviser.

There are over 1,000 mortgage and insurance brokers in NZ, most of them are incredibly smart, dedicated and decent people. In my opinion it’s a no-brainer (most of the time) to have one in your corner helping you get discounts and advice. However, the long term should always be taken into account because property investment is a strategy that can last decades. The above is my opinion only.

Our commitment is to put your best interests first, regardless of what payment we end up getting from the lenders. The only way we can keep doing this is by helping large volumes of clients.

Who has the best interest rates?

This actually changes on a daily basis, banks use rates to control their supply and demand. When they are looking for new business, they will be more aggressive with rates. We can see who is offering the best rates because we negotiate rates every day. Hundreds of millions of mortgages annually. Using the iRefi.co.nz Mortgage tools is fast and free… you have nothing to lose. No credit checks, no fees, no time in line at the bank or on hold (even we have to wait on hold with the banks).

If you have access to the lowest rates on offer, and maximise the cash contributions from banks, you’ll save 10s of thousands of dollars over the life of your mortgages and will be in a far better position when you try to buy your next property (if that is one of your goals). We are selective who we bring on as clients to help because we prefer working with property investors who value the extra hard work we put in and value the advice over the long term.

The best question to ask is ‘would free mortgage advice and lower rates help me save a boatload of money and time?’. The answer is ‘yes!’.

Start Your Online Application

Get Started