Repayment calculator
NZ$
Monthly repayment
NZ$2,820
NZ$495,252total interest
NZ$1,015,252total repaid
Estimate only. Assumes principal & interest, constant rate for full term.
About Standart Fixed 6 Month
The Co-operative Bank's Standard 6-month fixed rate is designed for borrowers who don't qualify for the Owner Occupied tier — typically investment property owners. It offers the same co-operative banking benefits at a rate that reflects the different risk profile of non-owner-occupied lending.
The Standard tier rate is higher than the Owner Occupied equivalent, which is standard practice across New Zealand banks. The 6-month term keeps you flexible and responsive to rate changes, making it useful for investors monitoring their portfolio costs closely.