Owner Occupied Fixed 6 Month

About Owner Occupied Fixed 6 Month

The Co-operative Bank's Owner Occupied 6-month fixed rate is designed exclusively for borrowers living in their own home, offering a preferential rate below their standard tier. It's ideal for owner-occupiers who want brief rate certainty from New Zealand's only co-operative bank.

As a co-operative, the bank is owned by its customers — meaning profits are reinvested rather than paid to external shareholders. This ethos often translates into competitive rates and a genuine customer-first approach. The 6-month term keeps you agile in a changing rate environment.