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Rate
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Repayment calculator
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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% | 4.99% |
Higher deposit = lower LVR = better rate
About Standart Revolving Credit Facility
The Co-operative Bank's Standard Revolving Credit is a flexible overdraft facility for non-owner-occupied borrowers. Rental income and other deposits reduce the balance daily, and you can redraw as needed.
For property investors, this facility can be useful for managing cash flow across multiple properties or covering maintenance costs. The rate is higher than fixed options, so the savings depend on how effectively you manage the balance. Best used as one component of a broader mortgage structure.