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% | 5.49% |
Higher deposit = lower LVR = better rate
About Owner Occupied Fixed 3 Year
The Co-operative Bank's 3-year Owner Occupied rate provides longer-term certainty for homeowners. It suits those who want to lock out rate risk for three years while banking with an institution that prioritises member outcomes over shareholder returns.
Three years of fixed repayments provides meaningful budgeting certainty. The Co-operative Bank's competitive pricing on this term, combined with their co-operative values and personalised service, makes it a genuine alternative to the major banks.