01GET
Mortgage rates
Fixed and floating rates, grouped by institution and product. Filter by mortgage term.
/api/v1/mortgage-ratesNew Zealand lending data
Build the product.We’ll bring the rates.
Add New Zealand mortgage, loan, and credit card rates to your app with one free JSON API. Build comparisons, calculators, and agents without maintaining your own scrapers.
- Free to use
- No API key
- Open source · MIT
Your first API call
No account. No API key.curl --fail-with-body 'https://www.ratesapi.nz/api/v1/mortgage-rates?termInMonths=12'Standard HTTP and JSON. Works with fetch, your backend, or a notebook.
{
"type": "MortgageRates",
"data": [
{
"id": "institution:anz",
"name": "ANZ",
"products": [
{
"id": "product:anz:special",
"name": "Special",
"rates": [
{
"id": "rate:anz:special:1-year",
"rate": 4.99,
"term": "1 year",
"termInMonths": 12
}
]
}
]
}
],
"lastUpdated": "2026-09-24T04:19:31.911Z",
"termsOfUse": "Data is retrieved hourly from interest.co.nz. Please note that the information provided is not guaranteed to be accurate. For the most up-to-date and accurate rates, please check with the provider directly.",
"timestamp": "2026-09-24T05:41:12.125Z"
}Illustrative 1-year mortgage data. Run a request for the selected term’s latest available rates.
Four datasets. One integration.
The lending rates your product needs.
Start with a category. Every family has endpoints for the latest data, a single provider, and historical snapshots.
02GET
Personal loan rates
Secured and unsecured lending products, with rate conditions alongside each offer.
/api/v1/personal-loan-rates03GET
Car loan rates
Vehicle finance rates and conditions, organised by institution and product.
/api/v1/car-loan-rates04GET
Credit card rates
Purchase rates, cash advances, fees, and balance transfer offers, grouped by issuer.
/api/v1/credit-card-ratesKey facts
Rates API is a free JSON API for New Zealand lending rates. It covers 36 mortgage lenders, 39 personal loan lenders, 32 car loan lenders and 33 credit card issuers. It checks interest.co.nz every hour, has kept a daily history since 8 March 2025, and needs no account or API key.
- Mortgage lenders
- 36
- Personal loan lenders
- 39
- Car loan lenders
- 32
- Credit card issuers
- 33
Base URL https://www.ratesapi.nzJSON responses · Browser CORS enabled
Try it with real data.
Explore today’s rates before you build.
Everything below is loaded from the API in your browser. Filter and sort the latest rows, spot the lowest rate in each set, and see how rates have moved over the past year.
Made for your next featureLess data wrangling.
Less data wrangling.
More time building.
Example views below use illustrative data, not current offers.
ANZ mortgage ratesinstitution:anz
JSONSpecial6 months4.49%
Special1 year4.69%
Standard2 years5.89%
Good Energy3 years1.00%
Grouped by institution
Lender and issuer IDs sit above the products, which keeps bank comparisons straightforward.
Institution and product IDs ->Rate trendtime series
Historical snapshots
History is stored as snapshots, so a chart or audit can ask what the API returned on a specific date.
Time-series docs ->rate:anz:special:1-year
institution:anz
product:anz:special
termInMonths: 12
rate: 4.69
Follow a provider from list to detail
Use the IDs returned by the API to fetch one institution or filter its history. Product names and availability can change.
Institution and product IDs ->For developers. And their agents.
Real rates behind
your next answer.
Give your assistant a structured way to retrieve lending rates. The public MCP endpoint supports tool discovery and calls for current and historical data.
Read the MCP integration guidecurl --fail-with-body https://www.ratesapi.nz/api/v1/mcp \
-H 'Content-Type: application/json' \
-H 'MCP-Protocol-Version: 2026-07-28' \
-H 'Mcp-Method: tools/call' \
-H 'Mcp-Name: list_mortgage_rates' \
-d '{
"jsonrpc": "2.0",
"id": "rates-1",
"method": "tools/call",
"params": {
"name": "list_mortgage_rates",
"arguments": { "termInMonths": "12" },
"_meta": {
"io.modelcontextprotocol/protocolVersion": "2026-07-28",
"io.modelcontextprotocol/clientCapabilities": {}
}
}
}'Call tools/list to discover available tools.
Freshness
Know how fresh your data is.
Collection from interest.co.nz is scheduled hourly. Check each dataset’s lastUpdated value before displaying rates; a healthy service does not guarantee fresh data.
Check dataset freshness ->Open source
Use the API. Or make it your own.
The project is MIT licensed and built with TypeScript, Bun, Elysia, Cloudflare Workers, and Cloudflare D1. Local setup, deployment, and monitoring notes live with the source.
Open GitHub repository ->local worker setup
$bun i
>dependencies installed
$bun run dev
>worker ready on localhost:8787
$curl localhost:8787/api/v1/mortgage-rates
>200 OK | latest mortgage rows returned
next deploy targetCloudflare Workers
MITTypeScriptWorkersD1OpenAPI
- Is the hosted API free?
- Yes. Public endpoints need no account, API key, or payment details. The source code is MIT licensed, so you can also run your own instance.
- Where do the rates come from?
- Data is collected from interest.co.nz. Collection is scheduled hourly, but freshness varies by dataset. Check
lastUpdatedand confirm rates and eligibility with the provider before relying on an offer. Read about the data source and its limits. - Can I call it from a browser?
- Yes. Public API routes allow cross-origin requests without credentials. Use native
fetchor any HTTP client. Check HTTP status codes, handle unavailable data, and cache responses where appropriate. - How do I query historical rates?
- Add
/time-seriesto a category route. Usedatefor one day, orstartDateandendDatetogether for a range. Responses includeavailableDates; coverage depends on stored snapshots. See a mortgage history example.