Product
Provider
Rate
Fee
Repayment calculator
NZ$
%
Monthly repayment
NZ$3,215
NZ$637,497total interest
NZ$1,157,497total repaid
| Deposit tier | Rate | Monthly | Total interest | Total repaid |
|---|---|---|---|---|
| Deposit < 5% | 6.29% | NZ$3,215 | NZ$637,497 | NZ$1,157,497 |
| Deposit 5% – 9% | 6.29% | NZ$3,215 | NZ$637,497 | NZ$1,157,497 |
| Deposit 10% – 14% | 6.29% | NZ$3,215 | NZ$637,497 | NZ$1,157,497 |
| Deposit 15% – 19% | 6.29% | NZ$3,215 | NZ$637,497 | NZ$1,157,497 |
| Deposit 20% – 24%your tier | 6.29% | NZ$3,215 | NZ$637,497 | NZ$1,157,497 |
| Deposit ≥ 25% | 6.29% | NZ$3,215 | NZ$637,497 | NZ$1,157,497 |
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% | 6.29% |
| Deposit 5% – 9% | 6.29% |
| Deposit 10% – 14% | 6.29% |
| Deposit 15% – 19% | 6.29% |
| Deposit 20% – 24% | 6.29% |
| Deposit ≥ 25% | 6.29% |
Higher deposit = lower LVR = better rate
About Fixed 5 Year
The ANZ Fixed 5 Year mortgage offers the maximum rate certainty available from ANZ. It's best suited to borrowers who want absolute payment predictability for the next five years — often appealing during periods of rising or volatile interest rates.
Historically, 5-year fixes are the most expensive term and can result in overpaying if rates decline. Break fees are also the highest for this duration. However, for those who genuinely need budget certainty over a long horizon — such as property investors or fixed-income households — it removes all rate guesswork.