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% | 5.75% |
Higher deposit = lower LVR = better rate
About Owner Occupied Fixed 4 Year
The Co-operative Bank's 4-year Owner Occupied fixed rate is for homeowners who want extended certainty. It's priced at a premium over shorter terms but provides four full years of stable repayments — valuable during periods of rate uncertainty.
The co-operative model means you're banking with an institution aligned with your interests. This longer term suits borrowers who are well-settled and confident in their financial plans, and who value the peace of mind that comes with longer-term rate locks.