A fast marathon time has benefited a Hawke's Bay family.

The Bartles, who have a four-year-old son with a heart condition, were given a market leading home loan rate that matched the winning time of the ASB Auckland Marathon.

The winner, Oska Inkster-Baynes finished in 2 hours 20 minutes. The family now have a two-year fixed 2.20 per cent home loan interest rate.

The Bartles were part of the ASB's "Run Down the Rate" initiative, which this year included two families with children at Auckland's Starship Hospital.

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Rachael Bartle and her husband Nick have spent the last four years in and out of the hospital as their 4-year-old son Cameron was born with half a heart sitting back to front inside his chest.

"It has been a struggle living in Auckland and having to keep the fire burning at our home down here. This has now given us the opportunity to have more flexibility and do the little things around the home that we could never previously do," Mrs Bartle said.

"We now have the surplus funds to do things like concrete our driveway. It is going to make our life so much better."

She said she never expected to receive the call but was blown away.

"It came out of the left field and left me completely speechless. I actually burst in to tears, it is just such a life changing opportunity."

Mrs Bartle said Starship had been amazing throughout their journey with Cameron and after his third open heart surgery he had become a different kid.

"Without them he would not be here. He is now so determined and has one more year before he begins school."

Mrs Bartle said ASB made the whole process so easy and allowed them to "breeze" through it all.

"I just want to say a huge thank you to ASB for making it a walk in the park, as nothing was ever to much bother for them."

The Bartle's flew up to attend the marathon and to watch Mr Inkster-Baynes cross the line in 2h 20m.

"We were standing at the finish line and the atmosphere was amazing. It was such a special opportunity and experience."

ASB Executive general manager marketing and communications, Roger Beaumont said there had been much to celebrate at the 2016 ASB Auckland Marathon.

"Running a marathon is a significant achievement on its own, and this year it's been terrific to extend the excitement beyond the race to people across New Zealand, through Run Down The Rate."

"We are thrilled for Oska, but equally pleased that his race time can become a market-leading home loan rate for 12 families," Mr Beaumont said.