UNCLASSIFIED
07 July 2025
ref: OIA2425_143
Frank T-F
By email: [FYI request #31123 email]
Dear Frank
Information relating to “Carded” Mortgage Rates
Thank you for your 27 May 2025 request under the Official Information Act 1982 (OIA), for: 
All advertised “carded” residential mortgage rates (sometimes called “standard” 
or “headline” rates) supplied to and held by the RBNZ for every registered New 
Zealand bank. Please include, for each bank, the full schedule of tenors for which 
the RBNZ collects carded mortgage rates, such as—but not limited to—floating, 
6-month, and fixed terms of 1, 2,  3,  4,  5,  7,  and  10  year.
[…]  From the earliest month-end for which the Bank holds these series through 
to the most recent month-end available at the time this request is processed [..]
We are writing to you to inform you that we need to extend the timeframe to respond to this 
request for 20 working days under section 15A(1)(b) of the OIA as the consultations that are 
necessary to make a decision on your request are such that a proper response cannot reasonably 
be made within the original time limit. 
We hope to provide you with a response as soon as possible, and no later than 4 August 2025.
We encourage you to raise any concerns you have about this response with the Reserve Bank of 
New Zealand – Te 3Żtea Matua directly. 
Alternatively, you have the right to seek an investigation and review of this response the Office of 
the Ombudsman. Further information about how to make a complaint is publicly available, at 
www.ombudsman.parliament.nz or freephone 0800 802 602. 
Yours sincerely
Government Relations
Reservee Bankk off New
w Zealandd –– Tee 3Żteaa Matua
Ref #22696461 v1.1
UNCLASSIFIED

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