Product
Provider
Rate
Fee
Repayment calculator
NZ$
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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% | 4.65% |
Higher deposit = lower LVR = better rate
About Owner Occupied Fixed 1 Year
The Co-operative Bank's Owner Occupied 1-year fixed rate offers competitive pricing for homeowners living in their property. As a member-owned bank, The Co-operative Bank often provides rates that rival the Big Four without the shareholder-driven profit margins.
This term is the most popular in New Zealand and The Co-operative Bank prices it attractively for owner-occupiers. The bank's ethical banking model and transparent fee structure appeal to borrowers who value a different kind of banking relationship.