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Rate
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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% | 5.49% |
Higher deposit = lower LVR = better rate
About Standart Fixed 18 Month
The Co-operative Bank's Standard 18-month fixed rate is for non-owner-occupied borrowers who want a mid-length fix. It bridges the gap between 1-year and 2-year terms, offering slightly more certainty than an annual fix.
This term suits property investors who want to align their mortgage refixing with rental review cycles or other investment milestones. The Standard tier pricing reflects the higher-risk profile of investment lending while still benefiting from the co-operative model.