{
  "schema_version": "1.0",
  "observed_at": "2026-05-21T00:27:41.120Z",
  "data_freshness_notice": "Rates are illustrative and committed to this repo at build time. For real-time carded rates contact the lender directly. RBNZ OCR + LVR + DTI policy figures are sourced from the RBNZ.",
  "operator": {
    "legal_entity": "Evolve Group Limited",
    "fsp_number": "711891",
    "licence_type": "Licensed Financial Advice Provider",
    "regulator": "Financial Markets Authority (NZ)"
  },
  "rates": [
    {
      "lender_slug": "anz",
      "lender_name": "ANZ",
      "term": "1 year",
      "type": "fixed",
      "rate_pct": 4.69,
      "lvr_tier_pct": 80,
      "special": true,
      "observed_at": "2026-05-20T10:48:38.858914+00:00",
      "source_url": "https://www.anz.co.nz/rates-fees-agreements/home-loans/"
    },
    {
      "lender_slug": "anz",
      "lender_name": "ANZ",
      "term": "1 year",
      "type": "fixed",
      "rate_pct": 5.29,
      "lvr_tier_pct": 90,
      "special": false,
      "observed_at": "2026-05-20T10:48:38.858914+00:00",
      "source_url": "https://www.anz.co.nz/rates-fees-agreements/home-loans/"
    },
    {
      "lender_slug": "anz",
      "lender_name": "ANZ",
      "term": "18 months",
      "type": "fixed",
      "rate_pct": 4.99,
      "lvr_tier_pct": 80,
      "special": true,
      "observed_at": "2026-05-20T10:48:38.858914+00:00",
      "source_url": "https://www.anz.co.nz/rates-fees-agreements/home-loans/"
    },
    {
      "lender_slug": "anz",
      "lender_name": "ANZ",
      "term": "18 months",
      "type": "fixed",
      "rate_pct": 5.59,
      "lvr_tier_pct": 90,
      "special": false,
      "observed_at": "2026-05-20T10:48:38.858914+00:00",
      "source_url": "https://www.anz.co.nz/rates-fees-agreements/home-loans/"
    },
    {
      "lender_slug": "anz",
      "lender_name": "ANZ",
      "term": "2 years",
      "type": "fixed",
      "rate_pct": 5.29,
      "lvr_tier_pct": 80,
      "special": true,
      "observed_at": "2026-05-20T10:48:38.858914+00:00",
      "source_url": "https://www.anz.co.nz/rates-fees-agreements/home-loans/"
    },
    {
      "lender_slug": "anz",
      "lender_name": "ANZ",
      "term": "2 years",
      "type": "fixed",
      "rate_pct": 5.89,
      "lvr_tier_pct": 90,
      "special": false,
      "observed_at": "2026-05-20T10:48:38.858914+00:00",
      "source_url": "https://www.anz.co.nz/rates-fees-agreements/home-loans/"
    },
    {
      "lender_slug": "anz",
      "lender_name": "ANZ",
      "term": "3 years",
      "type": "fixed",
      "rate_pct": 5.49,
      "lvr_tier_pct": 80,
      "special": true,
      "observed_at": "2026-05-20T10:48:38.858914+00:00",
      "source_url": "https://www.anz.co.nz/rates-fees-agreements/home-loans/"
    },
    {
      "lender_slug": "anz",
      "lender_name": "ANZ",
      "term": "3 years",
      "type": "fixed",
      "rate_pct": 6.09,
      "lvr_tier_pct": 90,
      "special": false,
      "observed_at": "2026-05-20T10:48:38.858914+00:00",
      "source_url": "https://www.anz.co.nz/rates-fees-agreements/home-loans/"
    },
    {
      "lender_slug": "anz",
      "lender_name": "ANZ",
      "term": "4 years",
      "type": "fixed",
      "rate_pct": 6.19,
      "lvr_tier_pct": 90,
      "special": false,
      "observed_at": "2026-05-20T10:48:38.858914+00:00",
      "source_url": "https://www.anz.co.nz/rates-fees-agreements/home-loans/"
    },
    {
      "lender_slug": "anz",
      "lender_name": "ANZ",
      "term": "5 years",
      "type": "fixed",
      "rate_pct": 6.29,
      "lvr_tier_pct": 90,
      "special": false,
      "observed_at": "2026-05-20T10:48:38.858914+00:00",
      "source_url": "https://www.anz.co.nz/rates-fees-agreements/home-loans/"
    },
    {
      "lender_slug": "anz",
      "lender_name": "ANZ",
      "term": "6 months",
      "type": "fixed",
      "rate_pct": 4.49,
      "lvr_tier_pct": 80,
      "special": true,
      "observed_at": "2026-05-20T10:48:38.858914+00:00",
      "source_url": "https://www.anz.co.nz/rates-fees-agreements/home-loans/"
    },
    {
      "lender_slug": "anz",
      "lender_name": "ANZ",
      "term": "6 months",
      "type": "fixed",
      "rate_pct": 5.09,
      "lvr_tier_pct": 90,
      "special": false,
      "observed_at": "2026-05-20T10:48:38.858914+00:00",
      "source_url": "https://www.anz.co.nz/rates-fees-agreements/home-loans/"
    },
    {
      "lender_slug": "anz",
      "lender_name": "ANZ",
      "term": "floating",
      "type": "floating",
      "rate_pct": 5.79,
      "lvr_tier_pct": 80,
      "special": false,
      "observed_at": "2026-05-20T10:48:38.858914+00:00",
      "source_url": "https://www.anz.co.nz/rates-fees-agreements/home-loans/"
    },
    {
      "lender_slug": "asb",
      "lender_name": "ASB",
      "term": "1 year",
      "type": "fixed",
      "rate_pct": 4.65,
      "lvr_tier_pct": 80,
      "special": false,
      "observed_at": "2026-05-20T10:48:45.903476+00:00",
      "source_url": "https://www.asb.co.nz/home-loans-mortgages/interest-rates-fees.html"
    },
    {
      "lender_slug": "asb",
      "lender_name": "ASB",
      "term": "18 months",
      "type": "fixed",
      "rate_pct": 4.95,
      "lvr_tier_pct": 80,
      "special": false,
      "observed_at": "2026-05-20T10:48:45.903476+00:00",
      "source_url": "https://www.asb.co.nz/home-loans-mortgages/interest-rates-fees.html"
    },
    {
      "lender_slug": "asb",
      "lender_name": "ASB",
      "term": "2 years",
      "type": "fixed",
      "rate_pct": 5.25,
      "lvr_tier_pct": 80,
      "special": false,
      "observed_at": "2026-05-20T10:48:45.903476+00:00",
      "source_url": "https://www.asb.co.nz/home-loans-mortgages/interest-rates-fees.html"
    },
    {
      "lender_slug": "asb",
      "lender_name": "ASB",
      "term": "3 years",
      "type": "fixed",
      "rate_pct": 5.49,
      "lvr_tier_pct": 80,
      "special": false,
      "observed_at": "2026-05-20T10:48:45.903476+00:00",
      "source_url": "https://www.asb.co.nz/home-loans-mortgages/interest-rates-fees.html"
    },
    {
      "lender_slug": "asb",
      "lender_name": "ASB",
      "term": "4 years",
      "type": "fixed",
      "rate_pct": 5.69,
      "lvr_tier_pct": 80,
      "special": false,
      "observed_at": "2026-05-20T10:48:45.903476+00:00",
      "source_url": "https://www.asb.co.nz/home-loans-mortgages/interest-rates-fees.html"
    },
    {
      "lender_slug": "asb",
      "lender_name": "ASB",
      "term": "5 years",
      "type": "fixed",
      "rate_pct": 5.89,
      "lvr_tier_pct": 80,
      "special": false,
      "observed_at": "2026-05-20T10:48:45.903476+00:00",
      "source_url": "https://www.asb.co.nz/home-loans-mortgages/interest-rates-fees.html"
    },
    {
      "lender_slug": "asb",
      "lender_name": "ASB",
      "term": "6 months",
      "type": "fixed",
      "rate_pct": 4.49,
      "lvr_tier_pct": 80,
      "special": false,
      "observed_at": "2026-05-20T10:48:45.903476+00:00",
      "source_url": "https://www.asb.co.nz/home-loans-mortgages/interest-rates-fees.html"
    },
    {
      "lender_slug": "asb",
      "lender_name": "ASB",
      "term": "floating",
      "type": "floating",
      "rate_pct": 5.79,
      "lvr_tier_pct": 80,
      "special": false,
      "observed_at": "2026-05-20T10:48:45.903476+00:00",
      "source_url": "https://www.asb.co.nz/home-loans-mortgages/interest-rates-fees.html"
    },
    {
      "lender_slug": "bnz",
      "lender_name": "BNZ",
      "term": "1 year",
      "type": "fixed",
      "rate_pct": 4.65,
      "lvr_tier_pct": 80,
      "special": false,
      "observed_at": "2026-05-20T10:48:51.658402+00:00",
      "source_url": "https://www.bnz.co.nz/personal-banking/home-loans/compare-bnz-home-loan-rates"
    },
    {
      "lender_slug": "bnz",
      "lender_name": "BNZ",
      "term": "18 months",
      "type": "fixed",
      "rate_pct": 4.95,
      "lvr_tier_pct": 80,
      "special": false,
      "observed_at": "2026-05-20T10:48:51.658402+00:00",
      "source_url": "https://www.bnz.co.nz/personal-banking/home-loans/compare-bnz-home-loan-rates"
    },
    {
      "lender_slug": "bnz",
      "lender_name": "BNZ",
      "term": "2 years",
      "type": "fixed",
      "rate_pct": 5.19,
      "lvr_tier_pct": 80,
      "special": false,
      "observed_at": "2026-05-20T10:48:51.658402+00:00",
      "source_url": "https://www.bnz.co.nz/personal-banking/home-loans/compare-bnz-home-loan-rates"
    },
    {
      "lender_slug": "bnz",
      "lender_name": "BNZ",
      "term": "3 years",
      "type": "fixed",
      "rate_pct": 5.39,
      "lvr_tier_pct": 80,
      "special": false,
      "observed_at": "2026-05-20T10:48:51.658402+00:00",
      "source_url": "https://www.bnz.co.nz/personal-banking/home-loans/compare-bnz-home-loan-rates"
    },
    {
      "lender_slug": "bnz",
      "lender_name": "BNZ",
      "term": "4 years",
      "type": "fixed",
      "rate_pct": 5.59,
      "lvr_tier_pct": 80,
      "special": false,
      "observed_at": "2026-05-20T10:48:51.658402+00:00",
      "source_url": "https://www.bnz.co.nz/personal-banking/home-loans/compare-bnz-home-loan-rates"
    },
    {
      "lender_slug": "bnz",
      "lender_name": "BNZ",
      "term": "5 years",
      "type": "fixed",
      "rate_pct": 5.79,
      "lvr_tier_pct": 80,
      "special": false,
      "observed_at": "2026-05-20T10:48:51.658402+00:00",
      "source_url": "https://www.bnz.co.nz/personal-banking/home-loans/compare-bnz-home-loan-rates"
    },
    {
      "lender_slug": "bnz",
      "lender_name": "BNZ",
      "term": "6 months",
      "type": "fixed",
      "rate_pct": 4.49,
      "lvr_tier_pct": 80,
      "special": false,
      "observed_at": "2026-05-20T10:48:51.658402+00:00",
      "source_url": "https://www.bnz.co.nz/personal-banking/home-loans/compare-bnz-home-loan-rates"
    },
    {
      "lender_slug": "bnz",
      "lender_name": "BNZ",
      "term": "floating",
      "type": "floating",
      "rate_pct": 5.84,
      "lvr_tier_pct": 80,
      "special": false,
      "observed_at": "2026-05-20T10:48:51.658402+00:00",
      "source_url": "https://www.bnz.co.nz/personal-banking/home-loans/compare-bnz-home-loan-rates"
    },
    {
      "lender_slug": "kiwibank",
      "lender_name": "Kiwibank",
      "term": "1 year",
      "type": "fixed",
      "rate_pct": 4.75,
      "lvr_tier_pct": 80,
      "special": true,
      "observed_at": "2026-05-20T10:49:02.963404+00:00",
      "source_url": "https://www.kiwibank.co.nz/personal-banking/home-loans/rates-and-fees/"
    },
    {
      "lender_slug": "kiwibank",
      "lender_name": "Kiwibank",
      "term": "1 year",
      "type": "fixed",
      "rate_pct": 5.65,
      "lvr_tier_pct": 90,
      "special": false,
      "observed_at": "2026-05-20T10:49:02.963404+00:00",
      "source_url": "https://www.kiwibank.co.nz/personal-banking/home-loans/rates-and-fees/"
    },
    {
      "lender_slug": "kiwibank",
      "lender_name": "Kiwibank",
      "term": "2 years",
      "type": "fixed",
      "rate_pct": 5.29,
      "lvr_tier_pct": 80,
      "special": true,
      "observed_at": "2026-05-20T10:49:02.963404+00:00",
      "source_url": "https://www.kiwibank.co.nz/personal-banking/home-loans/rates-and-fees/"
    },
    {
      "lender_slug": "kiwibank",
      "lender_name": "Kiwibank",
      "term": "2 years",
      "type": "fixed",
      "rate_pct": 6.19,
      "lvr_tier_pct": 90,
      "special": false,
      "observed_at": "2026-05-20T10:49:02.963404+00:00",
      "source_url": "https://www.kiwibank.co.nz/personal-banking/home-loans/rates-and-fees/"
    },
    {
      "lender_slug": "kiwibank",
      "lender_name": "Kiwibank",
      "term": "3 years",
      "type": "fixed",
      "rate_pct": 5.55,
      "lvr_tier_pct": 80,
      "special": true,
      "observed_at": "2026-05-20T10:49:02.963404+00:00",
      "source_url": "https://www.kiwibank.co.nz/personal-banking/home-loans/rates-and-fees/"
    },
    {
      "lender_slug": "kiwibank",
      "lender_name": "Kiwibank",
      "term": "3 years",
      "type": "fixed",
      "rate_pct": 6.35,
      "lvr_tier_pct": 90,
      "special": false,
      "observed_at": "2026-05-20T10:49:02.963404+00:00",
      "source_url": "https://www.kiwibank.co.nz/personal-banking/home-loans/rates-and-fees/"
    },
    {
      "lender_slug": "kiwibank",
      "lender_name": "Kiwibank",
      "term": "4 years",
      "type": "fixed",
      "rate_pct": 5.89,
      "lvr_tier_pct": 80,
      "special": true,
      "observed_at": "2026-05-20T10:49:02.963404+00:00",
      "source_url": "https://www.kiwibank.co.nz/personal-banking/home-loans/rates-and-fees/"
    },
    {
      "lender_slug": "kiwibank",
      "lender_name": "Kiwibank",
      "term": "4 years",
      "type": "fixed",
      "rate_pct": 6.59,
      "lvr_tier_pct": 90,
      "special": false,
      "observed_at": "2026-05-20T10:49:02.963404+00:00",
      "source_url": "https://www.kiwibank.co.nz/personal-banking/home-loans/rates-and-fees/"
    },
    {
      "lender_slug": "kiwibank",
      "lender_name": "Kiwibank",
      "term": "5 years",
      "type": "fixed",
      "rate_pct": 5.99,
      "lvr_tier_pct": 80,
      "special": true,
      "observed_at": "2026-05-20T10:49:02.963404+00:00",
      "source_url": "https://www.kiwibank.co.nz/personal-banking/home-loans/rates-and-fees/"
    },
    {
      "lender_slug": "kiwibank",
      "lender_name": "Kiwibank",
      "term": "5 years",
      "type": "fixed",
      "rate_pct": 6.69,
      "lvr_tier_pct": 90,
      "special": false,
      "observed_at": "2026-05-20T10:49:02.963404+00:00",
      "source_url": "https://www.kiwibank.co.nz/personal-banking/home-loans/rates-and-fees/"
    },
    {
      "lender_slug": "kiwibank",
      "lender_name": "Kiwibank",
      "term": "6 months",
      "type": "fixed",
      "rate_pct": 4.49,
      "lvr_tier_pct": 80,
      "special": true,
      "observed_at": "2026-05-20T10:49:02.963404+00:00",
      "source_url": "https://www.kiwibank.co.nz/personal-banking/home-loans/rates-and-fees/"
    },
    {
      "lender_slug": "kiwibank",
      "lender_name": "Kiwibank",
      "term": "6 months",
      "type": "fixed",
      "rate_pct": 5.39,
      "lvr_tier_pct": 90,
      "special": false,
      "observed_at": "2026-05-20T10:49:02.963404+00:00",
      "source_url": "https://www.kiwibank.co.nz/personal-banking/home-loans/rates-and-fees/"
    },
    {
      "lender_slug": "kiwibank",
      "lender_name": "Kiwibank",
      "term": "floating",
      "type": "floating",
      "rate_pct": 5.75,
      "lvr_tier_pct": 80,
      "special": false,
      "observed_at": "2026-05-20T10:49:02.963404+00:00",
      "source_url": "https://www.kiwibank.co.nz/personal-banking/home-loans/rates-and-fees/"
    },
    {
      "lender_slug": "westpac",
      "lender_name": "Westpac",
      "term": "1 year",
      "type": "fixed",
      "rate_pct": 4.69,
      "lvr_tier_pct": 80,
      "special": true,
      "observed_at": "2026-05-20T11:57:07.334776+00:00",
      "source_url": "https://www.westpac.co.nz/home-loans-mortgages/interest-rates/"
    },
    {
      "lender_slug": "westpac",
      "lender_name": "Westpac",
      "term": "1 year",
      "type": "fixed",
      "rate_pct": 5.29,
      "lvr_tier_pct": 90,
      "special": false,
      "observed_at": "2026-05-20T11:57:07.334776+00:00",
      "source_url": "https://www.westpac.co.nz/home-loans-mortgages/interest-rates/"
    },
    {
      "lender_slug": "westpac",
      "lender_name": "Westpac",
      "term": "18 months",
      "type": "fixed",
      "rate_pct": 4.99,
      "lvr_tier_pct": 80,
      "special": true,
      "observed_at": "2026-05-20T11:57:07.334776+00:00",
      "source_url": "https://www.westpac.co.nz/home-loans-mortgages/interest-rates/"
    },
    {
      "lender_slug": "westpac",
      "lender_name": "Westpac",
      "term": "18 months",
      "type": "fixed",
      "rate_pct": 5.59,
      "lvr_tier_pct": 90,
      "special": false,
      "observed_at": "2026-05-20T11:57:07.334776+00:00",
      "source_url": "https://www.westpac.co.nz/home-loans-mortgages/interest-rates/"
    },
    {
      "lender_slug": "westpac",
      "lender_name": "Westpac",
      "term": "2 years",
      "type": "fixed",
      "rate_pct": 5.19,
      "lvr_tier_pct": 80,
      "special": true,
      "observed_at": "2026-05-20T11:57:07.334776+00:00",
      "source_url": "https://www.westpac.co.nz/home-loans-mortgages/interest-rates/"
    },
    {
      "lender_slug": "westpac",
      "lender_name": "Westpac",
      "term": "2 years",
      "type": "fixed",
      "rate_pct": 5.79,
      "lvr_tier_pct": 90,
      "special": false,
      "observed_at": "2026-05-20T11:57:07.334776+00:00",
      "source_url": "https://www.westpac.co.nz/home-loans-mortgages/interest-rates/"
    },
    {
      "lender_slug": "westpac",
      "lender_name": "Westpac",
      "term": "3 years",
      "type": "fixed",
      "rate_pct": 5.35,
      "lvr_tier_pct": 80,
      "special": true,
      "observed_at": "2026-05-20T11:57:07.334776+00:00",
      "source_url": "https://www.westpac.co.nz/home-loans-mortgages/interest-rates/"
    },
    {
      "lender_slug": "westpac",
      "lender_name": "Westpac",
      "term": "3 years",
      "type": "fixed",
      "rate_pct": 5.95,
      "lvr_tier_pct": 90,
      "special": false,
      "observed_at": "2026-05-20T11:57:07.334776+00:00",
      "source_url": "https://www.westpac.co.nz/home-loans-mortgages/interest-rates/"
    },
    {
      "lender_slug": "westpac",
      "lender_name": "Westpac",
      "term": "4 years",
      "type": "fixed",
      "rate_pct": 5.39,
      "lvr_tier_pct": 80,
      "special": true,
      "observed_at": "2026-05-20T11:57:07.334776+00:00",
      "source_url": "https://www.westpac.co.nz/home-loans-mortgages/interest-rates/"
    },
    {
      "lender_slug": "westpac",
      "lender_name": "Westpac",
      "term": "4 years",
      "type": "fixed",
      "rate_pct": 5.99,
      "lvr_tier_pct": 90,
      "special": false,
      "observed_at": "2026-05-20T11:57:07.334776+00:00",
      "source_url": "https://www.westpac.co.nz/home-loans-mortgages/interest-rates/"
    },
    {
      "lender_slug": "westpac",
      "lender_name": "Westpac",
      "term": "5 years",
      "type": "fixed",
      "rate_pct": 5.59,
      "lvr_tier_pct": 80,
      "special": true,
      "observed_at": "2026-05-20T11:57:07.334776+00:00",
      "source_url": "https://www.westpac.co.nz/home-loans-mortgages/interest-rates/"
    },
    {
      "lender_slug": "westpac",
      "lender_name": "Westpac",
      "term": "5 years",
      "type": "fixed",
      "rate_pct": 6.19,
      "lvr_tier_pct": 90,
      "special": false,
      "observed_at": "2026-05-20T11:57:07.334776+00:00",
      "source_url": "https://www.westpac.co.nz/home-loans-mortgages/interest-rates/"
    },
    {
      "lender_slug": "westpac",
      "lender_name": "Westpac",
      "term": "6 months",
      "type": "fixed",
      "rate_pct": 4.69,
      "lvr_tier_pct": 80,
      "special": true,
      "observed_at": "2026-05-20T11:57:07.334776+00:00",
      "source_url": "https://www.westpac.co.nz/home-loans-mortgages/interest-rates/"
    },
    {
      "lender_slug": "westpac",
      "lender_name": "Westpac",
      "term": "6 months",
      "type": "fixed",
      "rate_pct": 5.29,
      "lvr_tier_pct": 90,
      "special": false,
      "observed_at": "2026-05-20T11:57:07.334776+00:00",
      "source_url": "https://www.westpac.co.nz/home-loans-mortgages/interest-rates/"
    },
    {
      "lender_slug": "westpac",
      "lender_name": "Westpac",
      "term": "floating",
      "type": "floating",
      "rate_pct": 5.89,
      "lvr_tier_pct": 80,
      "special": false,
      "observed_at": "2026-05-20T11:57:07.334776+00:00",
      "source_url": "https://www.westpac.co.nz/home-loans-mortgages/interest-rates/"
    },
    {
      "lender_slug": "westpac",
      "lender_name": "Westpac",
      "term": "floating",
      "type": "floating",
      "rate_pct": 5.99,
      "lvr_tier_pct": 85,
      "special": false,
      "observed_at": "2026-05-20T11:57:07.334776+00:00",
      "source_url": "https://www.westpac.co.nz/home-loans-mortgages/interest-rates/"
    },
    {
      "lender_slug": "westpac",
      "lender_name": "Westpac",
      "term": "floating",
      "type": "floating",
      "rate_pct": 5.89,
      "lvr_tier_pct": 90,
      "special": false,
      "observed_at": "2026-05-20T11:57:07.334776+00:00",
      "source_url": "https://www.westpac.co.nz/home-loans-mortgages/interest-rates/"
    },
    {
      "lender_slug": "tsb",
      "lender_name": "TSB Bank",
      "term": "1 year",
      "type": "fixed",
      "rate_pct": 4.69,
      "lvr_tier_pct": 80,
      "special": true,
      "observed_at": "2026-05-20T11:09:37.803013+00:00",
      "source_url": "https://www.tsb.co.nz/rates-fees-agreements/home-loan"
    },
    {
      "lender_slug": "tsb",
      "lender_name": "TSB Bank",
      "term": "1 year",
      "type": "fixed",
      "rate_pct": 5.49,
      "lvr_tier_pct": 90,
      "special": false,
      "observed_at": "2026-05-20T11:09:37.803013+00:00",
      "source_url": "https://www.tsb.co.nz/rates-fees-agreements/home-loan"
    },
    {
      "lender_slug": "tsb",
      "lender_name": "TSB Bank",
      "term": "18 months",
      "type": "fixed",
      "rate_pct": 5.09,
      "lvr_tier_pct": 80,
      "special": true,
      "observed_at": "2026-05-20T11:09:37.803013+00:00",
      "source_url": "https://www.tsb.co.nz/rates-fees-agreements/home-loan"
    },
    {
      "lender_slug": "tsb",
      "lender_name": "TSB Bank",
      "term": "18 months",
      "type": "fixed",
      "rate_pct": 5.89,
      "lvr_tier_pct": 90,
      "special": false,
      "observed_at": "2026-05-20T11:09:37.803013+00:00",
      "source_url": "https://www.tsb.co.nz/rates-fees-agreements/home-loan"
    },
    {
      "lender_slug": "tsb",
      "lender_name": "TSB Bank",
      "term": "2 years",
      "type": "fixed",
      "rate_pct": 5.25,
      "lvr_tier_pct": 80,
      "special": true,
      "observed_at": "2026-05-20T11:09:37.803013+00:00",
      "source_url": "https://www.tsb.co.nz/rates-fees-agreements/home-loan"
    },
    {
      "lender_slug": "tsb",
      "lender_name": "TSB Bank",
      "term": "2 years",
      "type": "fixed",
      "rate_pct": 6.05,
      "lvr_tier_pct": 90,
      "special": false,
      "observed_at": "2026-05-20T11:09:37.803013+00:00",
      "source_url": "https://www.tsb.co.nz/rates-fees-agreements/home-loan"
    },
    {
      "lender_slug": "tsb",
      "lender_name": "TSB Bank",
      "term": "3 years",
      "type": "fixed",
      "rate_pct": 5.49,
      "lvr_tier_pct": 80,
      "special": true,
      "observed_at": "2026-05-20T11:09:37.803013+00:00",
      "source_url": "https://www.tsb.co.nz/rates-fees-agreements/home-loan"
    },
    {
      "lender_slug": "tsb",
      "lender_name": "TSB Bank",
      "term": "3 years",
      "type": "fixed",
      "rate_pct": 6.29,
      "lvr_tier_pct": 90,
      "special": false,
      "observed_at": "2026-05-20T11:09:37.803013+00:00",
      "source_url": "https://www.tsb.co.nz/rates-fees-agreements/home-loan"
    },
    {
      "lender_slug": "tsb",
      "lender_name": "TSB Bank",
      "term": "4 years",
      "type": "fixed",
      "rate_pct": 5.89,
      "lvr_tier_pct": 80,
      "special": true,
      "observed_at": "2026-05-20T11:09:37.803013+00:00",
      "source_url": "https://www.tsb.co.nz/rates-fees-agreements/home-loan"
    },
    {
      "lender_slug": "tsb",
      "lender_name": "TSB Bank",
      "term": "4 years",
      "type": "fixed",
      "rate_pct": 6.69,
      "lvr_tier_pct": 90,
      "special": false,
      "observed_at": "2026-05-20T11:09:37.803013+00:00",
      "source_url": "https://www.tsb.co.nz/rates-fees-agreements/home-loan"
    },
    {
      "lender_slug": "tsb",
      "lender_name": "TSB Bank",
      "term": "5 years",
      "type": "fixed",
      "rate_pct": 5.99,
      "lvr_tier_pct": 80,
      "special": true,
      "observed_at": "2026-05-20T11:09:37.803013+00:00",
      "source_url": "https://www.tsb.co.nz/rates-fees-agreements/home-loan"
    },
    {
      "lender_slug": "tsb",
      "lender_name": "TSB Bank",
      "term": "5 years",
      "type": "fixed",
      "rate_pct": 6.79,
      "lvr_tier_pct": 90,
      "special": false,
      "observed_at": "2026-05-20T11:09:37.803013+00:00",
      "source_url": "https://www.tsb.co.nz/rates-fees-agreements/home-loan"
    },
    {
      "lender_slug": "tsb",
      "lender_name": "TSB Bank",
      "term": "6 months",
      "type": "fixed",
      "rate_pct": 4.59,
      "lvr_tier_pct": 80,
      "special": true,
      "observed_at": "2026-05-20T11:09:37.803013+00:00",
      "source_url": "https://www.tsb.co.nz/rates-fees-agreements/home-loan"
    },
    {
      "lender_slug": "tsb",
      "lender_name": "TSB Bank",
      "term": "6 months",
      "type": "fixed",
      "rate_pct": 5.39,
      "lvr_tier_pct": 90,
      "special": false,
      "observed_at": "2026-05-20T11:09:37.803013+00:00",
      "source_url": "https://www.tsb.co.nz/rates-fees-agreements/home-loan"
    },
    {
      "lender_slug": "tsb",
      "lender_name": "TSB Bank",
      "term": "floating",
      "type": "floating",
      "rate_pct": 5.79,
      "lvr_tier_pct": 80,
      "special": true,
      "observed_at": "2026-05-20T11:09:37.803013+00:00",
      "source_url": "https://www.tsb.co.nz/rates-fees-agreements/home-loan"
    },
    {
      "lender_slug": "tsb",
      "lender_name": "TSB Bank",
      "term": "floating",
      "type": "floating",
      "rate_pct": 6.59,
      "lvr_tier_pct": 90,
      "special": false,
      "observed_at": "2026-05-20T11:09:37.803013+00:00",
      "source_url": "https://www.tsb.co.nz/rates-fees-agreements/home-loan"
    },
    {
      "lender_slug": "cooperative",
      "lender_name": "The Co-operative Bank",
      "term": "1 year",
      "type": "fixed",
      "rate_pct": 4.65,
      "lvr_tier_pct": 80,
      "special": true,
      "observed_at": "2026-05-20T11:56:04.018736+00:00",
      "source_url": "https://www.co-operativebank.co.nz/rates"
    },
    {
      "lender_slug": "cooperative",
      "lender_name": "The Co-operative Bank",
      "term": "1 year",
      "type": "fixed",
      "rate_pct": 5.15,
      "lvr_tier_pct": 90,
      "special": false,
      "observed_at": "2026-05-20T11:56:04.018736+00:00",
      "source_url": "https://www.co-operativebank.co.nz/rates"
    },
    {
      "lender_slug": "cooperative",
      "lender_name": "The Co-operative Bank",
      "term": "18 months",
      "type": "fixed",
      "rate_pct": 4.99,
      "lvr_tier_pct": 80,
      "special": true,
      "observed_at": "2026-05-20T11:56:04.018736+00:00",
      "source_url": "https://www.co-operativebank.co.nz/rates"
    },
    {
      "lender_slug": "cooperative",
      "lender_name": "The Co-operative Bank",
      "term": "18 months",
      "type": "fixed",
      "rate_pct": 5.49,
      "lvr_tier_pct": 90,
      "special": false,
      "observed_at": "2026-05-20T11:56:04.018736+00:00",
      "source_url": "https://www.co-operativebank.co.nz/rates"
    },
    {
      "lender_slug": "cooperative",
      "lender_name": "The Co-operative Bank",
      "term": "2 years",
      "type": "fixed",
      "rate_pct": 5.29,
      "lvr_tier_pct": 80,
      "special": true,
      "observed_at": "2026-05-20T11:56:04.018736+00:00",
      "source_url": "https://www.co-operativebank.co.nz/rates"
    },
    {
      "lender_slug": "cooperative",
      "lender_name": "The Co-operative Bank",
      "term": "2 years",
      "type": "fixed",
      "rate_pct": 5.79,
      "lvr_tier_pct": 90,
      "special": false,
      "observed_at": "2026-05-20T11:56:04.018736+00:00",
      "source_url": "https://www.co-operativebank.co.nz/rates"
    },
    {
      "lender_slug": "cooperative",
      "lender_name": "The Co-operative Bank",
      "term": "3 years",
      "type": "fixed",
      "rate_pct": 5.49,
      "lvr_tier_pct": 80,
      "special": true,
      "observed_at": "2026-05-20T11:56:04.018736+00:00",
      "source_url": "https://www.co-operativebank.co.nz/rates"
    },
    {
      "lender_slug": "cooperative",
      "lender_name": "The Co-operative Bank",
      "term": "3 years",
      "type": "fixed",
      "rate_pct": 5.99,
      "lvr_tier_pct": 90,
      "special": false,
      "observed_at": "2026-05-20T11:56:04.018736+00:00",
      "source_url": "https://www.co-operativebank.co.nz/rates"
    },
    {
      "lender_slug": "cooperative",
      "lender_name": "The Co-operative Bank",
      "term": "4 years",
      "type": "fixed",
      "rate_pct": 5.75,
      "lvr_tier_pct": 80,
      "special": true,
      "observed_at": "2026-05-20T11:56:04.018736+00:00",
      "source_url": "https://www.co-operativebank.co.nz/rates"
    },
    {
      "lender_slug": "cooperative",
      "lender_name": "The Co-operative Bank",
      "term": "4 years",
      "type": "fixed",
      "rate_pct": 6.25,
      "lvr_tier_pct": 90,
      "special": false,
      "observed_at": "2026-05-20T11:56:04.018736+00:00",
      "source_url": "https://www.co-operativebank.co.nz/rates"
    },
    {
      "lender_slug": "cooperative",
      "lender_name": "The Co-operative Bank",
      "term": "5 years",
      "type": "fixed",
      "rate_pct": 5.89,
      "lvr_tier_pct": 80,
      "special": true,
      "observed_at": "2026-05-20T11:56:04.018736+00:00",
      "source_url": "https://www.co-operativebank.co.nz/rates"
    },
    {
      "lender_slug": "cooperative",
      "lender_name": "The Co-operative Bank",
      "term": "5 years",
      "type": "fixed",
      "rate_pct": 6.39,
      "lvr_tier_pct": 90,
      "special": false,
      "observed_at": "2026-05-20T11:56:04.018736+00:00",
      "source_url": "https://www.co-operativebank.co.nz/rates"
    },
    {
      "lender_slug": "cooperative",
      "lender_name": "The Co-operative Bank",
      "term": "6 months",
      "type": "fixed",
      "rate_pct": 4.59,
      "lvr_tier_pct": 80,
      "special": true,
      "observed_at": "2026-05-20T11:56:04.018736+00:00",
      "source_url": "https://www.co-operativebank.co.nz/rates"
    },
    {
      "lender_slug": "cooperative",
      "lender_name": "The Co-operative Bank",
      "term": "6 months",
      "type": "fixed",
      "rate_pct": 5.09,
      "lvr_tier_pct": 90,
      "special": false,
      "observed_at": "2026-05-20T11:56:04.018736+00:00",
      "source_url": "https://www.co-operativebank.co.nz/rates"
    },
    {
      "lender_slug": "cooperative",
      "lender_name": "The Co-operative Bank",
      "term": "floating",
      "type": "floating",
      "rate_pct": 4.99,
      "lvr_tier_pct": 80,
      "special": true,
      "observed_at": "2026-05-20T11:56:04.018736+00:00",
      "source_url": "https://www.co-operativebank.co.nz/rates"
    },
    {
      "lender_slug": "cooperative",
      "lender_name": "The Co-operative Bank",
      "term": "floating",
      "type": "floating",
      "rate_pct": 4.99,
      "lvr_tier_pct": 90,
      "special": false,
      "observed_at": "2026-05-20T11:56:04.018736+00:00",
      "source_url": "https://www.co-operativebank.co.nz/rates"
    },
    {
      "lender_slug": "sbs",
      "lender_name": "SBS Bank",
      "term": "1 year",
      "type": "fixed",
      "rate_pct": 4.69,
      "lvr_tier_pct": 80,
      "special": true,
      "observed_at": "2026-05-20T11:09:44.974103+00:00",
      "source_url": "https://www.sbsbank.co.nz/rates"
    },
    {
      "lender_slug": "sbs",
      "lender_name": "SBS Bank",
      "term": "1 year",
      "type": "fixed",
      "rate_pct": 5.29,
      "lvr_tier_pct": 90,
      "special": false,
      "observed_at": "2026-05-20T11:09:44.974103+00:00",
      "source_url": "https://www.sbsbank.co.nz/rates"
    },
    {
      "lender_slug": "sbs",
      "lender_name": "SBS Bank",
      "term": "18 months",
      "type": "fixed",
      "rate_pct": 4.95,
      "lvr_tier_pct": 80,
      "special": true,
      "observed_at": "2026-05-20T11:09:44.974103+00:00",
      "source_url": "https://www.sbsbank.co.nz/rates"
    },
    {
      "lender_slug": "sbs",
      "lender_name": "SBS Bank",
      "term": "18 months",
      "type": "fixed",
      "rate_pct": 5.55,
      "lvr_tier_pct": 90,
      "special": false,
      "observed_at": "2026-05-20T11:09:44.974103+00:00",
      "source_url": "https://www.sbsbank.co.nz/rates"
    },
    {
      "lender_slug": "sbs",
      "lender_name": "SBS Bank",
      "term": "2 years",
      "type": "fixed",
      "rate_pct": 5.19,
      "lvr_tier_pct": 80,
      "special": true,
      "observed_at": "2026-05-20T11:09:44.974103+00:00",
      "source_url": "https://www.sbsbank.co.nz/rates"
    },
    {
      "lender_slug": "sbs",
      "lender_name": "SBS Bank",
      "term": "2 years",
      "type": "fixed",
      "rate_pct": 5.79,
      "lvr_tier_pct": 90,
      "special": false,
      "observed_at": "2026-05-20T11:09:44.974103+00:00",
      "source_url": "https://www.sbsbank.co.nz/rates"
    },
    {
      "lender_slug": "sbs",
      "lender_name": "SBS Bank",
      "term": "3 years",
      "type": "fixed",
      "rate_pct": 5.29,
      "lvr_tier_pct": 80,
      "special": true,
      "observed_at": "2026-05-20T11:09:44.974103+00:00",
      "source_url": "https://www.sbsbank.co.nz/rates"
    },
    {
      "lender_slug": "sbs",
      "lender_name": "SBS Bank",
      "term": "3 years",
      "type": "fixed",
      "rate_pct": 5.89,
      "lvr_tier_pct": 90,
      "special": false,
      "observed_at": "2026-05-20T11:09:44.974103+00:00",
      "source_url": "https://www.sbsbank.co.nz/rates"
    },
    {
      "lender_slug": "sbs",
      "lender_name": "SBS Bank",
      "term": "4 years",
      "type": "fixed",
      "rate_pct": 5.59,
      "lvr_tier_pct": 80,
      "special": true,
      "observed_at": "2026-05-20T11:09:44.974103+00:00",
      "source_url": "https://www.sbsbank.co.nz/rates"
    },
    {
      "lender_slug": "sbs",
      "lender_name": "SBS Bank",
      "term": "4 years",
      "type": "fixed",
      "rate_pct": 6.19,
      "lvr_tier_pct": 90,
      "special": false,
      "observed_at": "2026-05-20T11:09:44.974103+00:00",
      "source_url": "https://www.sbsbank.co.nz/rates"
    },
    {
      "lender_slug": "sbs",
      "lender_name": "SBS Bank",
      "term": "5 years",
      "type": "fixed",
      "rate_pct": 5.79,
      "lvr_tier_pct": 80,
      "special": true,
      "observed_at": "2026-05-20T11:09:44.974103+00:00",
      "source_url": "https://www.sbsbank.co.nz/rates"
    },
    {
      "lender_slug": "sbs",
      "lender_name": "SBS Bank",
      "term": "5 years",
      "type": "fixed",
      "rate_pct": 6.39,
      "lvr_tier_pct": 90,
      "special": false,
      "observed_at": "2026-05-20T11:09:44.974103+00:00",
      "source_url": "https://www.sbsbank.co.nz/rates"
    },
    {
      "lender_slug": "sbs",
      "lender_name": "SBS Bank",
      "term": "6 months",
      "type": "fixed",
      "rate_pct": 4.49,
      "lvr_tier_pct": 80,
      "special": true,
      "observed_at": "2026-05-20T11:09:44.974103+00:00",
      "source_url": "https://www.sbsbank.co.nz/rates"
    },
    {
      "lender_slug": "sbs",
      "lender_name": "SBS Bank",
      "term": "6 months",
      "type": "fixed",
      "rate_pct": 5.09,
      "lvr_tier_pct": 90,
      "special": false,
      "observed_at": "2026-05-20T11:09:44.974103+00:00",
      "source_url": "https://www.sbsbank.co.nz/rates"
    },
    {
      "lender_slug": "sbs",
      "lender_name": "SBS Bank",
      "term": "floating",
      "type": "floating",
      "rate_pct": 5.84,
      "lvr_tier_pct": 80,
      "special": false,
      "observed_at": "2026-05-20T11:09:44.974103+00:00",
      "source_url": "https://www.sbsbank.co.nz/rates"
    }
  ],
  "schema_org": {
    "@context": "https://schema.org",
    "@type": "Dataset",
    "name": "NZ home-loan carded rates — cross-lender snapshot",
    "description": "Carded fixed and floating home-loan rates from 8 NZ lenders, captured at 2026-05-21T00:27:41.120Z. Sourced from each lender's published rate page.",
    "url": "https://home-loans.co.nz/api/rates/facts.json",
    "dateModified": "2026-05-21T00:27:41.120Z",
    "creator": {
      "@type": "Organization",
      "name": "Evolve Group Limited",
      "identifier": "FSP711891"
    },
    "distribution": [
      {
        "@type": "DataDownload",
        "encodingFormat": "application/json",
        "contentUrl": "https://home-loans.co.nz/api/rates/facts.json"
      }
    ],
    "citation": [
      {
        "@type": "CreativeWork",
        "name": "Lender carded-rate page",
        "url": "https://www.anz.co.nz/rates-fees-agreements/home-loans/"
      },
      {
        "@type": "CreativeWork",
        "name": "Lender carded-rate page",
        "url": "https://www.asb.co.nz/home-loans-mortgages/interest-rates-fees.html"
      },
      {
        "@type": "CreativeWork",
        "name": "Lender carded-rate page",
        "url": "https://www.bnz.co.nz/personal-banking/home-loans/compare-bnz-home-loan-rates"
      },
      {
        "@type": "CreativeWork",
        "name": "Lender carded-rate page",
        "url": "https://www.kiwibank.co.nz/personal-banking/home-loans/rates-and-fees/"
      },
      {
        "@type": "CreativeWork",
        "name": "Lender carded-rate page",
        "url": "https://www.westpac.co.nz/home-loans-mortgages/interest-rates/"
      },
      {
        "@type": "CreativeWork",
        "name": "Lender carded-rate page",
        "url": "https://www.tsb.co.nz/rates-fees-agreements/home-loan"
      },
      {
        "@type": "CreativeWork",
        "name": "Lender carded-rate page",
        "url": "https://www.co-operativebank.co.nz/rates"
      },
      {
        "@type": "CreativeWork",
        "name": "Lender carded-rate page",
        "url": "https://www.sbsbank.co.nz/rates"
      },
      {
        "@type": "CreativeWork",
        "name": "Reserve Bank of New Zealand — Registered Banks",
        "url": "https://www.rbnz.govt.nz/regulation-and-supervision/banks/register"
      },
      {
        "@type": "CreativeWork",
        "name": "Reserve Bank of New Zealand — Official Cash Rate",
        "url": "https://www.rbnz.govt.nz/monetary-policy/about-monetary-policy/official-cash-rate-decisions"
      },
      {
        "@type": "CreativeWork",
        "name": "MBIE — Responsible Lending Code",
        "url": "https://comcom.govt.nz/business/dealing-with-typical-situations/credit-and-finance/responsible-lending"
      }
    ]
  }
}