Product
Provider
Rate
Fee
Repayment calculator
NZ$
Monthly repayment
NZ$3,266
NZ$655,854total interest
NZ$1,175,854total repaid
| Deposit tier | Rate | Monthly | Total interest | Total repaid |
|---|---|---|---|---|
| Deposit ≥ 5% | 7.59% | NZ$3,668 | NZ$800,486 | NZ$1,320,486 |
| Deposit ≥ 10% | 7.29% | NZ$3,561 | NZ$762,117 | NZ$1,282,117 |
| Deposit ≥ 15% | 6.84% | NZ$3,404 | NZ$705,396 | NZ$1,225,396 |
| Deposit ≥ 20%your tier | 6.44% | NZ$3,266 | NZ$655,854 | NZ$1,175,854 |
| Deposit ≥ 25% | 6.09% | NZ$3,148 | NZ$613,213 | NZ$1,133,213 |
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% | 7.59% |
| Deposit ≥ 10% | 7.29% |
| Deposit ≥ 15% | 6.84% |
| Deposit ≥ 20% | 6.44% |
| Deposit ≥ 25% | 6.09% |
Higher deposit = lower LVR = better rate