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% | 4.59% |
Higher deposit = lower LVR = better rate
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.