Property Now
If You Want to Get a Mortgage in 2026, Watch THIS First
Most Kiwis think the cheapest bank is the one with the lowest advertised rate. But that’s not how mortgages work.
In today’s episode of the Property Academy podcast, we reveal the REAL data behind which banks were actually the cheapest in 2024–2025 … based on every mortgage rate tracked daily for over a year.
You’ll learn:
● Which bank really had the lowest 1-year rate (hint: it’s not who you think)
● Why some banks look more expensive but really aren’t
● Why chasing the lowest interest rate could cost you thousands
● And why ANZ’s rates look high on paper but often aren’t in real life
Plus, we dig into the hidden discounts, the “co-lowest” vs. “strictly lowest” traps, and why your bank’s products matter just as much as their rates.
If you want a mortgage in 2026 — watch this before you talk to your bank.
Ok, now for the legal bit:
The information and opinions on this channel are for your general information. It’s not financial advice. So the hosts aren’t telling you what to do with your own money.
We’ve made every effort to make sure the information is accurate. But we occasionally get the odd fact wrong.
Make sure you do your own research or talk to a financial adviser before making any financial decisions. See our Disclosure information here.
Related videos in this series
How to 5x your returns in property investing⎥Ep. 2020
How to 5x your returns in property investing⎥Ep. 2020Am I middle class?⎥Ep. 2013
Am I middle class?⎥Ep. 2013