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Rate
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Repayment calculator
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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% | 4.49% |
Higher deposit = lower LVR = better rate
About Special Fixed 6 Month
Westpac's Special Fixed 6 Month rate is their sharpest short-term offering, typically available to borrowers who meet specific criteria such as minimum loan size or equity requirements. Combined with Westpac's cashback, it's an attractive package for new borrowers.
Special rates are Westpac's most competitive and are usually priced below their standard fixed rates. The 6-month term means frequent refixing, but the lower rate and cashback can make this the cheapest entry point into a Westpac mortgage.