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Rate
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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% | 4.99% |
Higher deposit = lower LVR = better rate
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.