NZ Mortgage Rates Comparison & Calculator

API

The refix.nz API is free to use. All endpoints return JSON. No authentication is required.

AI agents: see /SKILL.md for a concise, machine-readable guide to these endpoints.

Base URL

https://refix.nz/api

GET /api/latest-rates/:rateType/:lenderScope

Returns the latest mortgage rates from every lender, grouped by lender. Each lender object includes their floating rate (if available) and a map of fixed rates keyed by term.

Path parameters

Segment	Values	Description
`rateType`	`special` \| `standard`	When `special`, returns special rates where available, falling back to standard rates for terms where a lender has no special rate. Special rates are always lower than standard rates and typically require conditions such as a minimum equity percentage or new lending. When `standard`, returns only standard rates.
`lenderScope`	`banks` \| `all`	When `all`, the response includes rates from non-bank lenders (building societies, credit unions, and other non-bank lenders) in addition to banks. When `banks`, only bank rates are returned.

Response

An array of lender objects:

[
  {
    "name": "ANZ",
    "category": "Bank",
    "color": "#007dba",
    "floatingRate": 7.65,
    "fixedRates": {
      "6 months": 5.69,
      "1 year": 4.85,
      "18 months": 4.99,
      "2 years": 4.99,
      "3 years": 5.39,
      "4 years": 5.69,
      "5 years": 5.79
    }
  },
  ...
]

Examples

Special rates from banks only:

curl "https://refix.nz/api/latest-rates/special/banks"

Standard rates from banks only:

curl "https://refix.nz/api/latest-rates/standard/banks"

Special rates including non-bank lenders:

curl "https://refix.nz/api/latest-rates/special/all"

Standard rates including non-bank lenders:

curl "https://refix.nz/api/latest-rates/standard/all"

GET /api/ocr-expectations

Returns upcoming Official Cash Rate (OCR) decisions and the market’s expected outcome for each, derived from OIS swap rates and bank research publications.

Parameters

None.

Response

An array of expectation objects ordered by date. Each includes the decision date, the expected direction, and the probability of that outcome:

[
  {
    "date": "2026-04-08",
    "direction": "no change",
    "probability": "90%"
  },
  {
    "date": "2026-05-27",
    "direction": "no change",
    "probability": "85%"
  },
  ...
]

The direction field is one of "hike", "cut", or "no change".

Example

curl "https://refix.nz/api/ocr-expectations"