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% | 5.15% |
Higher deposit = lower LVR = better rate
About Standart Fixed 1 Year
The Co-operative Bank's Standard 1-year fixed rate serves borrowers outside the owner-occupied category, including property investors. While priced above the Owner Occupied tier, it remains competitive and benefits from the co-operative's member-first ethos.
For investors, the 1-year term provides a good balance between rate competitiveness and certainty. The Co-operative Bank's transparent fee structure and ethical approach make it an appealing alternative to the major banks for investment lending.