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% | 4.99% |
Higher deposit = lower LVR = better rate
About Standart Floating
The Co-operative Bank's Standard floating rate provides full flexibility for non-owner-occupied borrowers. Make extra repayments, pay off the loan, or switch to fixed without penalty — ideal for investors who may sell or refinance.
The floating rate is higher than fixed options, making it a tactical tool rather than a long-term strategy. It's useful for investors between fixed terms or those expecting a property sale in the near future.