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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% | 5.59% |
Higher deposit = lower LVR = better rate
About Special Fixed 5 Year
Westpac's Special Fixed 5 Year rate provides the longest fixed-rate certainty at discounted pricing. For borrowers who qualify, this is five years of unchanging repayments at a rate below Westpac's standard tier.
This is the ultimate set-and-forget option for those who want maximum stability. The special discount narrows the cost gap compared to shorter terms, making it more palatable for stability-focused borrowers. Westpac's cashback further sweetens the deal.