Historical monthly “carded” mortgage rates by tenor for all registered banks
Frank T-F made this Official Information request to Commerce Commission
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From: Frank T-F
Dear Commerce Commission,
Under the Official Information Act 1982, I request the following information that may be held by the Commerce Commission in respect of its market study into personal banking services:
Data requested:
All advertised “carded” residential mortgage rates (sometimes called “standard” or “headline” rates) held for every registered New Zealand bank, and discretionary rates if that information is also held. Please include, for each bank, the full schedule of tenors, 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 information is held 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
From: Commerce Commission OIA Requests
Commerce Commission
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contact our Contact Centre, on 0800 943 600 or [1][email address]
OIA Co-ordinator
Information Systems | Organisational Performance
Commerce Commission l Te Komihana Tauhokohoko
44 The Terrace l PO Box 2351 l Wellington 6140 l New Zealand
E: [2][Commerce Commission request email]
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From: Commerce Commission OIA Requests
Commerce Commission
Kia ora Frank
The Commerce Commission (the Commission) apologises for the delay in
acknowledging receipt of your request dated 30 May 2025 for information
under the Official Information Act 1982 (OIA). You have requested:
All advertised “carded” residential mortgage rates (sometimes called
“standard” or “headline” rates) held for every registered New Zealand
bank, and discretionary rates if that information is also held. Please
include, for each bank, the full schedule of tenors, 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 information is held 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)
Your request has been logged as OIA 24.222.
We will be in touch with a decision on your request by no later than 1
July 2025. We note that 2 June 2025 and 20 June 2025 are excluded from the
definition of working days under the OIA.
If we need to clarify your request further, we will be in touch with you
shortly.
If you need to get in touch with us, you can reply to this email or
contact us at [1][Commerce Commission request email].
Nāku noa, nā
Adam McFerran ([2]he/him)
Senior Advisor | OIA & Information
Commerce Commission | Te Komihana Tauhokohoko
44 The Terrace | PO Box 2351 | Wellington 6140 | New Zealand
[3]comcom.govt.nz [4]X [5]Facebook [6]LinkedIn
show quoted sections
From: Commerce Commission OIA Requests
Commerce Commission
Tēnā koe Frank
Thank you again for your OIA request. Our response is attached.
If you have any questions, please do not hesitate to contact us at
[1][Commerce Commission request email].
If you are not happy with our response, you have the right to make a
complaint to the Ombudsman. Information about how to do this is available
at [2]www.ombudsman.parliament.nz.
Nāku noa, nā
Adam McFerran ([3]he/him)
Senior Advisor | OIA & Information
Commerce Commission | Te Komihana Tauhokohoko
44 The Terrace | PO Box 2351 | Wellington 6140 | New Zealand
[4]comcom.govt.nz [5]X [6]Facebook [7]LinkedIn
From: Commerce Commission OIA Requests <[Commerce Commission request email]>
Sent: Thursday, 5 June 2025 12:12 pm
To: [FOI #31154 email]
Subject: Commerce Commission - OIA 24.222 - acknowledging receipt of your
request [CCNZ-IMANAGE.FID450059]
Kia ora Frank
The Commerce Commission (the Commission) apologises for the delay in
acknowledging receipt of your request dated 30 May 2025 for information
under the Official Information Act 1982 (OIA). You have requested:
All advertised “carded” residential mortgage rates (sometimes called
“standard” or “headline” rates) held for every registered New Zealand
bank, and discretionary rates if that information is also held. Please
include, for each bank, the full schedule of tenors, 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 information is held 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)
Your request has been logged as OIA 24.222.
We will be in touch with a decision on your request by no later than 1
July 2025. We note that 2 June 2025 and 20 June 2025 are excluded from the
definition of working days under the OIA.
If we need to clarify your request further, we will be in touch with you
shortly.
If you need to get in touch with us, you can reply to this email or
contact us at [8][Commerce Commission request email].
Nāku noa, nā
Adam McFerran ([9]he/him)
Senior Advisor | OIA & Information
Commerce Commission | Te Komihana Tauhokohoko
44 The Terrace | PO Box 2351 | Wellington 6140 | New Zealand
[10]comcom.govt.nz [11]X [12]Facebook [13]LinkedIn
show quoted sections
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