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% | 5.29% |
Higher deposit = lower LVR = better rate
About Owner Occupied Fixed 2 Year
The Co-operative Bank's 2-year Owner Occupied fixed rate delivers medium-term stability from New Zealand's only customer-owned bank. It's a solid option for homeowners who want two years of predictable repayments backed by an ethical banking model.
The owner-occupied rate is preferential compared to the Standard tier, rewarding borrowers who live in their property. The Co-operative Bank's growing digital presence makes managing your mortgage increasingly convenient alongside their personalised service.