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Rates · Auckland, Auckland Region

1-Year Fixed Rates Dip Below 5.8%

Last updated: July 2026

19 May 2026 Sarah Jenkins 6 min read

This Week at a Glance

"1-year fixed mortgage rates drop below 5.8%. Discover how to leverage these new rates for your refinance or home loan."

Key Metric · Week 20
1-Year Fixed Special
Below 5.80%

What This Means for Your Mortgage

Whenever 1-Year Fixed Special moves this way — now sitting at Below 5.80% — the practical question for Auckland borrowers isn't the headline figure itself, it's whether your own bank has actually passed it through to your specific loan yet. Many haven't, by the time you read this.

Ask us to check your current rate against live panel pricing before you refix or accept a renewal offer — it costs nothing and takes one call.

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