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 Revolving Credit Facility
The Co-operative Bank's Revolving Credit facility lets you use your home loan like a flexible overdraft. Income deposits reduce the balance daily, and you can redraw as needed — rewarding disciplined borrowers who keep the balance low.
This product is well-suited to borrowers who want to accelerate their mortgage payoff while maintaining access to funds. The Co-operative Bank's ethical approach and transparent pricing mean no hidden surprises. Best paired with a fixed portion for an optimal split loan structure.