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Rate
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Repayment calculator
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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% | 5.79% |
Higher deposit = lower LVR = better rate
About Standart Fixed 2 Year
The Co-operative Bank's Standard 2-year fixed rate provides medium-term stability for non-owner-occupied borrowers. It's a practical choice for property investors who want two years of known costs for their cash-flow planning.
The rate sits above the Owner Occupied tier but benefits from the co-operative's member-owned pricing philosophy. Two years is enough time to weather short-term rate volatility while keeping your options relatively open.