Repayment calculator
NZ$
Monthly repayment
NZ$2,757
NZ$472,383total interest
NZ$992,383total repaid
Estimate only. Assumes principal & interest, constant rate for full term.
About Owner Occupied Fixed 18 Month
The Co-operative Bank's 18-month Owner Occupied fixed rate provides a middle ground between their 1-year and 2-year terms. It suits homeowners who want slightly more certainty than a year offers but prefer not to lock in for a full two years.
The co-operative ownership model means member interests come first, which can translate into sharper pricing on less mainstream terms like the 18-month fix. It's a practical choice for those who think carefully about timing their mortgage strategy.