New Zealand Mortgage, Lending and Deposit Rates
Deposit Rate: 6 Months
Deposit Rate: 6 Months data was reported at 3.460 % pa in Feb 2026. This stayed constant from the previous number of 3.460 % pa for Jan 2026. Deposit Rate: 6 Months data is updated monthly, averaging 5.580 % pa from Mar 1965 (Median) to Feb 2026, with 556 observations. The data reached an all-time high of 18.000 % pa in Jul 1987 and a record low of 0.820 % pa in Jun 2021. Deposit Rate: 6 Months data remains active status in CEIC and is reported by Reserve Bank of New Zealand. The data is categorized under Global Database’s New Zealand – Table NZ.M: Mortgage, Lending and Deposit Rates. [COVID-19-IMPACT]
| Last | Frequency | Range |
|---|---|---|
| 3.460 Feb 2026 | monthly | Mar 1965 - Feb 2026 |
View New Zealand's Deposit Rate: 6 Months from Mar 1965 to Feb 2026 in the chart:
First Mortage Housing Rates
First Mortage Housing Rates data was reported at 5.810 % pa in Feb 2026. This records an increase from the previous number of 5.800 % pa for Jan 2026. First Mortage Housing Rates data is updated monthly, averaging 11.000 % pa from Feb 1964 (Median) to Feb 2026, with 745 observations. The data reached an all-time high of 20.500 % pa in Jun 1987 and a record low of 4.370 % pa in Jun 2021. First Mortage Housing Rates data remains active status in CEIC and is reported by Reserve Bank of New Zealand. The data is categorized under Global Database’s New Zealand – Table NZ.M: Mortgage, Lending and Deposit Rates. [COVID-19-IMPACT]
| Last | Frequency | Range |
|---|---|---|
| 5.810 Feb 2026 | monthly | Feb 1964 - Feb 2026 |
View New Zealand's First Mortage Housing Rates from Feb 1964 to Feb 2026 in the chart:
New Zealand SME Overdraft Rate
SME Overdraft Rate data was reported at 9.420 % pa in Nov 2018. This records an increase from the previous number of 9.340 % pa for Oct 2018. SME Overdraft Rate data is updated monthly, averaging 10.020 % pa from Jul 1988 (Median) to Nov 2018, with 365 observations. The data reached an all-time high of 16.020 % pa in Jul 1988 and a record low of 7.500 % pa in Sep 1999. SME Overdraft Rate data remains active status in CEIC and is reported by Reserve Bank of New Zealand. The data is categorized under Global Database’s New Zealand – Table NZ.M004: Mortgage, Lending and Deposit Rates. Previously known as Business Base Lending Rate (BBLR). This interest rate series is for overdrafts to non-farm SME businesses, and the relabeling better reflects the loan products being surveyed. The underlying data for the SME overdraft rate is unchanged from that collected for the BBLR.
| Last | Frequency | Range |
|---|---|---|
| 9.40 Jun 2018 | monthly | Jul 1988 - Jun 2018 |