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Public notices

Rates • Legal documents & forms • Key information

Upcoming & recent changes for NZHL-arranged home loans

Home loans variable rate change — 13 July 2026

We’re making rate changes to our variable home loans.

These rate changes impact Term loan — variable and Reducing revolving home loans.

We're decreasing our rates on the following home loans from:

  • Monday 13 July 2026 for new loans
  • Monday 27 July 2026 for existing loans.
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Previous rate

New rate

Term loan — variable*

5.75% p.a.

6.00% p.a.

NZHL reducing revolving

6.00% p.a.

6.25% p.a.

* For all bridging loans, the interest rate will be 1% p.a. above our NZHL variable rate or NZHL reducing revolving rate, as applicable.

Date effective: 13 July 2026

Date published: 9 July 2026

Previous public notices

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