Product
Provider
Rate
Fee
Repayment calculator
NZ$
%
Monthly repayment
NZ$3,181
NZ$625,327total interest
NZ$1,145,327total repaid
| Deposit tier | Rate | Monthly | Total interest | Total repaid |
|---|---|---|---|---|
| Deposit < 5% | 6.19% | NZ$3,181 | NZ$625,327 | NZ$1,145,327 |
| Deposit 5% – 9% | 6.19% | NZ$3,181 | NZ$625,327 | NZ$1,145,327 |
| Deposit 10% – 14% | 6.19% | NZ$3,181 | NZ$625,327 | NZ$1,145,327 |
| Deposit 15% – 19% | 6.19% | NZ$3,181 | NZ$625,327 | NZ$1,145,327 |
| Deposit 20% – 24%your tier | 6.19% | NZ$3,181 | NZ$625,327 | NZ$1,145,327 |
| Deposit ≥ 25% | 6.19% | NZ$3,181 | NZ$625,327 | NZ$1,145,327 |
Estimate only. Assumes principal & interest, constant rate for full term.
Rates by deposit sizeLVR — Loan-to-Value Ratio
The percentage of the property value you're borrowing. A lower LVR means a bigger deposit and usually a better interest rate.
Example: Property NZ$800k, deposit NZ$160k → LVR = 80% (borrow 80%, own 20%).
| Deposit < 5% | 6.19% |
| Deposit 5% – 9% | 6.19% |
| Deposit 10% – 14% | 6.19% |
| Deposit 15% – 19% | 6.19% |
| Deposit 20% – 24% | 6.19% |
| Deposit ≥ 25% | 6.19% |
Higher deposit = lower LVR = better rate
About Fixed 4 Year
ANZ's 4-year fixed rate is for borrowers who prioritise long-term payment certainty above chasing the lowest possible rate. It appeals to property investors with tight cash-flow models or homeowners on fixed incomes who can't absorb payment shocks.
The 4-year rate is notably higher than shorter terms, which is the cost of that extended certainty. Break fees can also be substantial over a longer period. Consider this term if you genuinely plan to hold the loan unchanged for four years and value stability above all else.