Kia ora, 

  
Thank you for contacting the Reserve Bank of New Zealand - Te Pūtea
Matua.  
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country their thoughts on a proposed digital currency and here is [6]what
you told us. For more about our work on Digital Cash, check out our
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We are kaitiaki (guardians) of New Zealand’s financial ecosystem, working
to fulfil our purpose of Toitu te Ōhanga, Toitu te Oranga (enabling the
prosperity and wellbeing of all New Zealanders). We deliver on our mandate
by: 

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* [14]List of registered banks in New Zealand 
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Check out our [23]Bank Financial Strength Dashboard. You can also read our
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Kind regards | Ngā mihi nui 

Reserve Bank of New Zealand – Te Pūtea Matua  

2 The Terrace, Wellington 6011. PO Box 2498, Wellington 6140     
 
T + 04 471 3660         

E [28][RBNZ request email]   W [29]rbnz.govt.nz  

 

 

 

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UNCLASSIFIED

Kia ora

 

We’ve received your official information request.

 

On 27 May 2025 you sent us a request for the following official
information:

 

Data requested:

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 years.

Time period:

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.

Format:

A single comma-separated values (CSV) file, or a set of CSVs, with each
record containing at least:

- Date (ISO 8601 format)
- Bank identifier (short name or registration ID)
- Product tenor (e.g., “1 yr fixed”)
- Advertised carded interest rate (% p.a., as originally supplied)

 

What happens next?

We expect to have a response to you within 20 working days of your
original request. Some responses require more time, and we’ll be in touch
with you if we need to extend the timeframe.

 

Is there a cost?

We usually provide official information to requestors for free. However,
when a request is particularly complex or requires our staff to spend a
lot of time collating information, we may need to pass on some of that
cost. This is provided for under the Official Information Act (see the
Ombudsman’s [1]Guide to Charging).

If your request falls into this category, we’ll be in touch with you to
discuss how you might be able to refine your request to avoid, or
minimise, any costs to you.

 

What happens to the information you ask for?

Responses to official information requests are published on the Reserve
Bank’s website after they have been sent to the requestor. We do this as
part of Open Government – because all public sector agencies have a
responsibility to be open and transparent about what they’re doing and the
decisions they’re making.

 

More information

You can find more information on our website:
[2]www.rbnz.govt.nz/research-and-publications/official-information-requests.

 

Ngā manaakitanga

 

                                           

 

Reserve Bank of New Zealand – Te Pūtea Matua

2 The Terrace, Wellington 6011

PO Box 2498, Wellington 6140

T + 64 4 471 3889

E [email address]  W
[3]rbnz.govt.nz

 

 

 

UNCLASSIFIED

UNCLASSIFIED

From: Frank T-F <[4][FOI #31123 email]>
Sent: Tuesday, 27 May 2025 10:47 pm
To: RBNZ Info <[5][RBNZ request email]>
Subject: Official Information request - Historical monthly “carded”
mortgage rates by tenor for all registered banks

 

Kia ora koutou,

Under the Official Information Act 1982, I request the following
information that may be held by the Reserve Bank of New Zealand (RBNZ):

Data requested:

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 years.

Time period:

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.

Format:

A single comma-separated values (CSV) file, or a set of CSVs, with each
record containing at least:

- Date (ISO 8601 format)
- Bank identifier (short name or registration ID)
- Product tenor (e.g., “1 yr fixed”)
- Advertised carded interest rate (% p.a., as originally supplied)

Context / purpose:

I am building a research database to analyse trends in advertised retail
mortgage pricing across the New Zealand banking sector.

Administrative matters:

If any part of the requested information is withheld, please specify the
applicable section(s) of the Act and the reason(s).

If the request is likely to be refused under s 18(f) on grounds of
substantial collation or research, I would welcome the opportunity to
refine the request or accept the information in a form readily extractable
from your systems.

I am a New Zealand citizen and currently residing in New Zealand.

I appreciate your assistance and look forward to your response.

Ngā mihi nui,

Frank T-F

-------------------------------------------------------------------

This is an Official Information request made via the FYI website.

Please use this email address for all replies to this request:
[6][FOI #31123 email]

Is [7][RBNZ request email] the wrong address for Official Information
requests to Reserve Bank of New Zealand? If so, please contact us using
this form:
[8]https://fyi.org.nz/change_request/new?bo...

Disclaimer: This message and any reply that you make will be published on
the internet. Our privacy and copyright policies:
[9]https://fyi.org.nz/help/officers

If you find this service useful as an Official Information officer, please
ask your web manager to link to us from your organisation's OIA or LGOIMA
page.

show quoted sections

UNCLASSIFIED

Dear Frank

 

Please find attached a response to your official information request.

Kind regards

Government Relations

Reserve Bank of New Zealand – Te Pūtea Matua

2 The Terrace, Wellington 6011

PO Box 2498, Wellington 6140

W [1]rbnz.govt.nz

 

UNCLASSIFIED

 

UNCLASSIFIED

From: Frank T-F
Sent: Tuesday, 27 May 2025 10:47 pm
To: RBNZ Info
Subject: Official Information request - Historical monthly “carded”
mortgage rates by tenor for all registered banks

 

Kia ora koutou,

Under the Official Information Act 1982, I request the following
information that may be held by the Reserve Bank of New Zealand (RBNZ):

Data requested:

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 years.

Time period:

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.

Format:

A single comma-separated values (CSV) file, or a set of CSVs, with each
record containing at least:

- Date (ISO 8601 format)
- Bank identifier (short name or registration ID)
- Product tenor (e.g., “1 yr fixed”)
- Advertised carded interest rate (% p.a., as originally supplied)

Context / purpose:

I am building a research database to analyse trends in advertised retail
mortgage pricing across the New Zealand banking sector.

Administrative matters:

If any part of the requested information is withheld, please specify the
applicable section(s) of the Act and the reason(s).

If the request is likely to be refused under s 18(f) on grounds of
substantial collation or research, I would welcome the opportunity to
refine the request or accept the information in a form readily extractable
from your systems.

I am a New Zealand citizen and currently residing in New Zealand.

I appreciate your assistance and look forward to your response.

Ngā mihi nui,

Frank T-F

-------------------------------------------------------------------

This is an Official Information request made via the FYI website.

Please use this email address for all replies to this request:
[2][FYI request #31123 email]

Is [3][RBNZ request email] the wrong address for Official Information
requests to Reserve Bank of New Zealand? If so, please contact us using
this form:
[4]https://fyi.org.nz/change_request/new?bo...

Disclaimer: This message and any reply that you make will be published on
the internet. Our privacy and copyright policies:
[5]https://fyi.org.nz/help/officers

If you find this service useful as an Official Information officer, please
ask your web manager to link to us from your organisation's OIA or LGOIMA
page.

show quoted sections

UNCLASSIFIED

Dear Frank

 

Please find attached a response to your official information request.

Kind regards

Government Relations

Reserve Bank of New Zealand – Te Pūtea Matua

2 The Terrace, Wellington 6011

PO Box 2498, Wellington 6140

W [1]rbnz.govt.nz

 

UNCLASSIFIED

From: Ministerial correspondence Mailbox
Sent: 07 July 2025 13:50
To: [FOI #31123 email]
Cc: Ministerial correspondence Mailbox <[email address]>
Subject: RE: Official Information request - Historical monthly “carded”
mortgage rates by tenor for all registered banks - OIA2425_143

 

Dear Frank

 

Please find attached a response to your official information request.

Kind regards

Government Relations

Reserve Bank of New Zealand – Te Pūtea Matua

2 The Terrace, Wellington 6011

PO Box 2498, Wellington 6140

W [2]rbnz.govt.nz

 

 

UNCLASSIFIED

From: Frank T-F
Sent: Tuesday, 27 May 2025 10:47 pm
To: RBNZ Info
Subject: Official Information request - Historical monthly “carded”
mortgage rates by tenor for all registered banks

 

Kia ora koutou,

Under the Official Information Act 1982, I request the following
information that may be held by the Reserve Bank of New Zealand (RBNZ):

Data requested:

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 years.

Time period:

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.

Format:

A single comma-separated values (CSV) file, or a set of CSVs, with each
record containing at least:

- Date (ISO 8601 format)
- Bank identifier (short name or registration ID)
- Product tenor (e.g., “1 yr fixed”)
- Advertised carded interest rate (% p.a., as originally supplied)

Context / purpose:

I am building a research database to analyse trends in advertised retail
mortgage pricing across the New Zealand banking sector.

Administrative matters:

If any part of the requested information is withheld, please specify the
applicable section(s) of the Act and the reason(s).

If the request is likely to be refused under s 18(f) on grounds of
substantial collation or research, I would welcome the opportunity to
refine the request or accept the information in a form readily extractable
from your systems.

I am a New Zealand citizen and currently residing in New Zealand.

I appreciate your assistance and look forward to your response.

Ngā mihi nui,

Frank T-F

-------------------------------------------------------------------

This is an Official Information request made via the FYI website.

Please use this email address for all replies to this request:
[3][FOI #31123 email]

Is [4][RBNZ request email] the wrong address for Official Information
requests to Reserve Bank of New Zealand? If so, please contact us using
this form:
[5]https://fyi.org.nz/change_request/new?bo...

Disclaimer: This message and any reply that you make will be published on
the internet. Our privacy and copyright policies:
[6]https://fyi.org.nz/help/officers

If you find this service useful as an Official Information officer, please
ask your web manager to link to us from your organisation's OIA or LGOIMA
page.

show quoted sections