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% | 6.99% |
Higher deposit = lower LVR = better rate
About Fresh Start - Floating
The Co-operative Bank's Fresh Start Floating rate is designed for borrowers rebuilding their financial standing. If you've been through a difficult period — such as bankruptcy, debt default, or adverse credit events — this product offers a way onto the property ladder that most mainstream banks won't provide.
The floating rate is the highest in The Co-operative Bank's range, but it offers full repayment flexibility and serves as a genuine second chance. The goal is typically to refix onto a lower-rate product once you've established a solid payment track record.