# home-loans.co.nz — master URL index for AI crawlers # Operator: Evolve Group Limited (FSP711891), Licensed Financial Advice Provider # Rates snapshot observed_at: 2026-06-07T06:57:09.649Z # 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. ## Canonical site pages https://home-loans.co.nz/ https://home-loans.co.nz/mortgage-rates/ https://home-loans.co.nz/best-banks/ https://home-loans.co.nz/first-home-buyers/ https://home-loans.co.nz/low-deposit-loans/ https://home-loans.co.nz/refinancing/ https://home-loans.co.nz/investment-property/ https://home-loans.co.nz/debt-consolidation/ https://home-loans.co.nz/home-equity/ https://home-loans.co.nz/fixed-vs-floating/ https://home-loans.co.nz/mortgage-brokers/ https://home-loans.co.nz/mortgage-calculator/ https://home-loans.co.nz/mortgage-repayment-calculator/ https://home-loans.co.nz/refinancing-calculator/ https://home-loans.co.nz/deposit-calculator/ https://home-loans.co.nz/how-much-can-i-borrow/ https://home-loans.co.nz/apply/ https://home-loans.co.nz/about/ https://home-loans.co.nz/contact/ https://home-loans.co.nz/team/ https://home-loans.co.nz/clause-search/ https://home-loans.co.nz/mortgage-hardship/ https://home-loans.co.nz/disclaimer/ https://home-loans.co.nz/privacy-policy/ https://home-loans.co.nz/terms/ https://home-loans.co.nz/llms.txt https://home-loans.co.nz/sitemap-index.xml ## Bank profile pages (HTML) https://home-loans.co.nz/banks/ https://home-loans.co.nz/banks/anz/ https://home-loans.co.nz/banks/asb/ https://home-loans.co.nz/banks/bnz/ https://home-loans.co.nz/banks/china-construction/ https://home-loans.co.nz/banks/heartland/ https://home-loans.co.nz/banks/hsbc/ https://home-loans.co.nz/banks/icbc/ https://home-loans.co.nz/banks/kiwibank/ https://home-loans.co.nz/banks/rabodirect/ https://home-loans.co.nz/banks/sbs/ https://home-loans.co.nz/banks/cooperative/ https://home-loans.co.nz/banks/tsb/ https://home-loans.co.nz/banks/westpac/ ## Bank pairwise comparison pages (HTML) https://home-loans.co.nz/banks/anz-vs-asb/ https://home-loans.co.nz/banks/anz-vs-bnz/ https://home-loans.co.nz/banks/anz-vs-kiwibank/ https://home-loans.co.nz/banks/anz-vs-sbs/ https://home-loans.co.nz/banks/anz-vs-cooperative/ https://home-loans.co.nz/banks/anz-vs-tsb/ https://home-loans.co.nz/banks/anz-vs-westpac/ https://home-loans.co.nz/banks/asb-vs-bnz/ https://home-loans.co.nz/banks/asb-vs-kiwibank/ https://home-loans.co.nz/banks/asb-vs-sbs/ https://home-loans.co.nz/banks/asb-vs-cooperative/ https://home-loans.co.nz/banks/asb-vs-tsb/ https://home-loans.co.nz/banks/asb-vs-westpac/ https://home-loans.co.nz/banks/bnz-vs-kiwibank/ https://home-loans.co.nz/banks/bnz-vs-sbs/ https://home-loans.co.nz/banks/bnz-vs-cooperative/ https://home-loans.co.nz/banks/bnz-vs-tsb/ https://home-loans.co.nz/banks/bnz-vs-westpac/ https://home-loans.co.nz/banks/kiwibank-vs-sbs/ https://home-loans.co.nz/banks/kiwibank-vs-cooperative/ https://home-loans.co.nz/banks/kiwibank-vs-tsb/ https://home-loans.co.nz/banks/kiwibank-vs-westpac/ https://home-loans.co.nz/banks/sbs-vs-cooperative/ https://home-loans.co.nz/banks/sbs-vs-tsb/ https://home-loans.co.nz/banks/sbs-vs-westpac/ https://home-loans.co.nz/banks/cooperative-vs-tsb/ https://home-loans.co.nz/banks/cooperative-vs-westpac/ https://home-loans.co.nz/banks/tsb-vs-westpac/ ## Audience pages (HTML) https://home-loans.co.nz/audiences/ https://home-loans.co.nz/audiences/first-home-buyer/ https://home-loans.co.nz/audiences/refinancer/ https://home-loans.co.nz/audiences/investor/ https://home-loans.co.nz/audiences/self-employed/ https://home-loans.co.nz/audiences/low-deposit/ ## Topic pages (HTML) https://home-loans.co.nz/topics/ https://home-loans.co.nz/topics/lvr-rules/ https://home-loans.co.nz/topics/dti-rules/ https://home-loans.co.nz/topics/break-fee-math/ https://home-loans.co.nz/topics/fixed-vs-floating-comparison/ https://home-loans.co.nz/topics/cashback-economics/ https://home-loans.co.nz/topics/servicing-test/ https://home-loans.co.nz/topics/non-bank-lending/ ## Scenario pages (HTML) https://home-loans.co.nz/scenarios/ https://home-loans.co.nz/scenarios/break-cost-calculation/ https://home-loans.co.nz/scenarios/refinance-decision/ https://home-loans.co.nz/scenarios/new-build-exemption/ https://home-loans.co.nz/scenarios/low-deposit-strategy/ https://home-loans.co.nz/scenarios/investor-servicing/ https://home-loans.co.nz/scenarios/interest-only-strategy/ ## Mortgage broker × city pages (HTML) https://home-loans.co.nz/mortgage-brokers/auckland/ https://home-loans.co.nz/mortgage-brokers/christchurch/ https://home-loans.co.nz/mortgage-brokers/wellington/ https://home-loans.co.nz/mortgage-brokers/tauranga/ https://home-loans.co.nz/mortgage-brokers/hamilton/ https://home-loans.co.nz/mortgage-brokers/dunedin/ https://home-loans.co.nz/mortgage-brokers/palmerston-north/ https://home-loans.co.nz/mortgage-brokers/whangarei/ https://home-loans.co.nz/mortgage-brokers/new-plymouth/ https://home-loans.co.nz/mortgage-brokers/invercargill/ https://home-loans.co.nz/mortgage-brokers/nelson/ https://home-loans.co.nz/mortgage-brokers/rotorua/ https://home-loans.co.nz/mortgage-brokers/napier/ https://home-loans.co.nz/mortgage-brokers/hastings/ ## Machine-readable lender endpoints https://home-loans.co.nz/api/lenders.json https://home-loans.co.nz/api/lender/anz/facts.json https://home-loans.co.nz/api/lender/anz/summary.md https://home-loans.co.nz/api/lender/asb/facts.json https://home-loans.co.nz/api/lender/asb/summary.md https://home-loans.co.nz/api/lender/bnz/facts.json https://home-loans.co.nz/api/lender/bnz/summary.md https://home-loans.co.nz/api/lender/china-construction/facts.json https://home-loans.co.nz/api/lender/china-construction/summary.md https://home-loans.co.nz/api/lender/heartland/facts.json https://home-loans.co.nz/api/lender/heartland/summary.md https://home-loans.co.nz/api/lender/hsbc/facts.json https://home-loans.co.nz/api/lender/hsbc/summary.md https://home-loans.co.nz/api/lender/icbc/facts.json https://home-loans.co.nz/api/lender/icbc/summary.md https://home-loans.co.nz/api/lender/kiwibank/facts.json https://home-loans.co.nz/api/lender/kiwibank/summary.md https://home-loans.co.nz/api/lender/rabodirect/facts.json https://home-loans.co.nz/api/lender/rabodirect/summary.md https://home-loans.co.nz/api/lender/sbs/facts.json https://home-loans.co.nz/api/lender/sbs/summary.md https://home-loans.co.nz/api/lender/cooperative/facts.json https://home-loans.co.nz/api/lender/cooperative/summary.md https://home-loans.co.nz/api/lender/tsb/facts.json https://home-loans.co.nz/api/lender/tsb/summary.md https://home-loans.co.nz/api/lender/westpac/facts.json https://home-loans.co.nz/api/lender/westpac/summary.md ## Machine-readable cross-lender rate endpoints https://home-loans.co.nz/api/rates/facts.json https://home-loans.co.nz/api/rates/floating/summary.md https://home-loans.co.nz/api/rates/6-months/summary.md https://home-loans.co.nz/api/rates/1-year/summary.md https://home-loans.co.nz/api/rates/18-months/summary.md https://home-loans.co.nz/api/rates/2-years/summary.md https://home-loans.co.nz/api/rates/3-years/summary.md https://home-loans.co.nz/api/rates/4-years/summary.md https://home-loans.co.nz/api/rates/5-years/summary.md ## Machine-readable topic summaries https://home-loans.co.nz/api/topic/lvr-rules/summary.md https://home-loans.co.nz/api/topic/dti-rules/summary.md https://home-loans.co.nz/api/topic/break-fee-math/summary.md https://home-loans.co.nz/api/topic/fixed-vs-floating-comparison/summary.md https://home-loans.co.nz/api/topic/cashback-economics/summary.md https://home-loans.co.nz/api/topic/servicing-test/summary.md https://home-loans.co.nz/api/topic/non-bank-lending/summary.md ## Machine-readable scenario summaries https://home-loans.co.nz/api/scenario/first-home-buyer/summary.md https://home-loans.co.nz/api/scenario/refinance/summary.md https://home-loans.co.nz/api/scenario/investor/summary.md https://home-loans.co.nz/api/scenario/break-cost-explainer/summary.md ## MCP server (anonymous, JSON-RPC 2.0) https://home-loans.co.nz/.netlify/functions/mcp https://home-loans.co.nz/mcp ## Regulator + operator references https://www.rbnz.govt.nz/regulation-and-supervision/banks/register https://www.rbnz.govt.nz/monetary-policy/about-monetary-policy/official-cash-rate-decisions https://kaingaora.govt.nz/home-ownership/first-home-loan/ https://www.fma.govt.nz/ https://comcom.govt.nz/business/dealing-with-typical-situations/credit-and-finance/responsible-lending https://fsp-register.companiesoffice.govt.nz/ # end of llms-full.txt