EP: 2286•14 Dec 2025

We Found the Cheapest Bank (and It’s Not What You Think)⎥Ep. 2286

About this episode

Some banks look cheaper than others – but the real question is: which bank actually gives you the lowest mortgage rate once you dig into the data?

In this episode, Ed and Andrew reveal what really happens when you compare every bank’s mortgage rates over time – and why the “cheapest” bank often isn’t the one you think.

You’ll learn:

-Which banks consistently offer the lowest 1-year and 2-year rates

-Why some banks appear more expensive, but aren’t once you negotiate

-How to read between the lines so you don’t get fooled by advertised rates

This episode helps you choose the bank that truly gives you the best deal, and it's better to work with a mortgage adviser.

And if you'd like to book a free meeting with one of the Opes Mortgages team , just click the link.

Looking to calculate and compare your mortgage repayment options? Use our mortgage calculator to find out your potential monthly payments

Ok, now for the legal bit:

The Property Academy Podcast is 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 investment decisions.

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We Found the Cheapest Bank (and It’s Not What You Think)⎥Ep. 2286

About this episode

How to Build a 3-Property Portfolio in Your Early 30s (Even on an Average Income)⎥Ep. 2285

How Long Does It Really Take to Buy a House in NZ The Honest Timeline⎥Ep. 2284

New Zealand's Insane Property Obsession Explained⎥Ep. 2283

Inside the FMA's Routine Check-Up: What Really Happened | Ep. 2282