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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% | 5.29% |
Higher deposit = lower LVR = better rate
About Special Fixed 3 Year
Westpac's Special Fixed 3 Year rate locks in a discounted rate for three years. For qualifying borrowers who want longer-term certainty without paying standard-tier pricing, this is one of the most competitive 3-year options among major New Zealand banks.
Three years provides meaningful protection against rate rises, and the special pricing narrows the gap versus shorter terms. Westpac's strong digital platform and nationwide branch network support the ongoing management of your mortgage.