Product
Provider
Rate
Fee
Enter property value and deposit to see repayments.
| Deposit ≥ 25% | 5.29% |
Higher deposit = lower LVR = better rate
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.