Product
Provider
Rate
Fee
Enter property value and deposit to see repayments.
| Deposit ≥ 25% | 5.09% |
Higher deposit = lower LVR = better rate
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.