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% | 6.25% |
Higher deposit = lower LVR = better rate
About Standart Fixed 4 Year
The Co-operative Bank's Standard 4-year fixed rate offers extended certainty for investors and non-owner-occupied borrowers. It's designed for those with a clear long-term plan who want to eliminate rate risk over four years.
The premium over shorter terms is more pronounced in the Standard tier, so this product suits borrowers who genuinely need the certainty and have modelled the cost carefully. Break fees can be significant for early exits.