Product
Provider
Rate
Fee
Repayment calculator
NZ$
%
Enter property value and deposit to see repayments.
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 ≥ 25% | 5.80% |
Higher deposit = lower LVR = better rate
About Kiwibank Revolving
Kiwibank's Revolving Credit facility works like a large overdraft secured against your home. Your income and other credits reduce the balance, and interest is calculated daily — rewarding those who keep the balance low throughout the month.
This product suits financially disciplined borrowers who want to minimise interest by channelling all income through the facility. It works best alongside a fixed portion in a split loan. The floating rate is higher than fixed alternatives, so the benefits depend on your cash-flow habits.