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% | 5.39% |
Higher deposit = lower LVR = better rate
About Special Fixed 4 Year
Westpac's Special Fixed 4 Year rate offers extended certainty at discounted pricing for qualifying borrowers. It suits those with a long-term outlook who want to lock in a lower rate for four years — providing substantial protection against rate increases.
The special pricing makes this term more accessible than the standard 4-year rate, though it's still higher than shorter fixes. Best for borrowers who are confident in their plans and value the security of a longer-term lock at a competitive price point.