Product
Provider
Rate
Fee
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% | 5.09% |
Higher deposit = lower LVR = better rate
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.