Should I float or fix my mortgage?

The answer depends on your risk tolerance. FloatOrFix uses an AI Strategy Analyzer to compare current bank rates against RBNZ forecasts to calculate the most cost-effective term for you.

Yes, FloatOrFix is a 100% free tool supported by the community.

Where does the data come from?

We monitor official RBNZ reports, yield curves, and economic forecasts from major banks like ANZ, ASB, BNZ, and Westpac.

Should you

Float or Fix?

Don’t Lock in the Wrong Rate

A wrong decision could cost you thousands.

Free Mortgage Strategy Analyzer

Deep Market Intelligence icon1-3

Multiyear Cost Projection icon3-1

Multiyear Interest Forecast icon5-1

Strategy Recommendations icon7-1

Market Risks icon2-1

User-Friendly Interface

Live Interest Rates

Current Lending Rates

Live Mortgage Rates from leading banks

ANZ

1 year

Standard 5.29%

Special 4.69%

Kiwibank

1 year

Standard 5.65%

Special 4.75%

Westpac

1 year

Standard 5.39%

Special 4.79%

Unique Features

Deep Market Intelligence

We Scan The Market

Our Systems constantly monitors the Reserve Bank (RBNZ) and major banks and analysts economic reports. They read thousands of pages of PDF forecasts so you don't have to.

We Analyze The Trends

We go beyond today's rates. Our analysis combines yield curves, break-even calculations, and market sentiment to forecast the likely direction of rates over the next 1–5 years.

You Find The "Sweet Spot"

We identify the exact mortgage term that balances the lowest rate with the lowest risk—helping you save thousands in interest.