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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% | 6.39% |
Higher deposit = lower LVR = better rate
About Standart Fixed 5 Year
The Co-operative Bank's Standard 5-year fixed rate is the longest fixed term available for non-owner-occupied borrowers. It provides absolute payment certainty for five years, which can be valuable for investment portfolio planning.
The rate is the highest in the Standard tier, reflecting both the long commitment and the investment lending risk profile. Best considered by investors who prioritise cash-flow predictability above minimising interest costs.