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% | 4.99% |
Higher deposit = lower LVR = better rate
About Owner Occupied Floating
The Co-operative Bank's Owner Occupied floating rate gives homeowners full repayment flexibility. Make extra payments, repay in full, or switch to fixed — all without penalties. It's the most flexible option for owner-occupiers who bank co-operatively.
The floating rate is higher than fixed options, making it best used as a tactical component. The Co-operative Bank's Owner Occupied floating rate is competitively priced compared to the major banks, reflecting their member-first approach to pricing.