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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% | 4.99% |
Higher deposit = lower LVR = better rate
About Special Fixed 18 Month
Westpac's Special Fixed 18 Month rate offers a discounted mid-length fix for qualifying borrowers. It's priced below the standard 18-month rate and provides slightly more certainty than the 1-year term while keeping the rate competitive.
This term suits borrowers who want to stagger their refix cycle or align it with a specific date 18 months ahead. Westpac's cashback and digital banking capabilities add to the overall value proposition for new or switching customers.