ANZ, which is the country's largest mortgage lender with a mortgage book exceeding $67 bln has raised most interest rates, including its floating rate.

It has added +10 bps to its floating rate, taking it to 5.69%.

This change is effective on Thursday, January 19 for new lending, and on Thursday, February 2 for existing clients.

And it has added +10 bps to its revolving credit rates, its "Flexible" plan, taking this to 5.80%.

These changes are effective Thursday, February 2, 2017 for all clients, new and existing.

It has also raised rates for all fixed terms except its six month rate.

These new higher fixed rates are effective Thursday, January 19, 2017.

The increases range from +6 bps to +25 bps.

Their one year 'special' has been raised +20 bps to 4.45%.

Their two year 'special' has been raised +16 bps to 4.75%.

For three years, standard rates apply and the increase is +20 bps to 5.49%.

For four and five years fixed, their rates are up +25 bps to 5.70% and 5.85% respectively.

Although there hasn't been much movement in wholesale swap rates recently; in fact they are down about -1 to -20 bps across the board since December 19, 2016 in a flattening bias. Credit spreads are lower over this 30 day period as well.

ANZ last raised its fixed mortgage rates on December 19, 2016 in a pre-holiday bump. It made some selective term deposit rate changes then at the same time. There are term deposit changes as well, and these are detailed here. This time, we have not yet been advised of any term deposit rate changes.

Today's changes don't change who has the leading carded rates for mortgage borrowers. HSBC Premier still leads for a one year term, SBS Bank now has the leading rates for 2 years, and TSB Bank has the market-leading offers for 3 and 5 year terms.

But ANZ now has the highest carded rate offers for terms of three to five years.

See all banks' carded, or advertised, home loan rates here.

A snapshot from the key retail banks is:

In addition to the above table, BNZ has a fixed seven year rate which is 6.15%.