4.99%p.a.

1 YEAR FIXED RATE

Additional rates and terms available.

5.45%p.a.

2 YEAR FIXED RATE

Additional rates and terms available.

5.69%p.a.

FLOATING RATE

Additional rates and terms available.

See all home loan rates

Buying your first home?

Want to get into your first home but don't know where to start? We've put together a guide, as well tools and tips, to help you on your journey to home ownership.

Our First Home Buyers Guide

Switch to The Co-operative Bank

Looking to switch? Moving your home loan to The Co‑operative Bank may be easier than you think.

Learn more

Managing your existing home loan

Looking to refix, top-up or maybe restructure your Co‑operative Bank Home Loan? Find out how and other helpful information here.

Learn more

Calculators

CALCULATOR: How much can I afford to borrow?

Get an idea of how much you can afford to borrow using our Borrowing Calculator

Borrowing Calculator

CALCULATOR: What will my repayments be?

Figure out how much your repayments will be with our Repayments Calculator

Repayments Calculator

Our Home Loan types

Fixed Rate Home Loan

Our Fixed Rate home loan gives you the certainty of knowing exactly how much your repayments will be, for a fixed period of time.

Learn more

Floating Home Loan

Our Floating Rate home loan gives you flexibility to make extra repayments or pay the loan off in full whenever you like.

Learn more

Revolving Credit Home Loan

Our Revolving Credit home loan is a transaction account and loan all in one.

Learn more

Ready to apply?

You can complete your application online. It'll take about 10-20 minutes to apply. If you need to, you can save as you go and come back later.

Apply online

Speak to a specialist

Our Home Loan Specialists are experts in home lending and can assist you in selecting the ideal structure and term to best suit your needs. Call us on 0800 554 554.

Terms and Conditions

The Co-operative Bank’s lending and insurance criteria, fees, interest rates, terms and conditions apply and are subject to change.

Rates apply to loans approved for Owner Occupied lending with a minimum of 20% equity. Please see Interest Rates for full details including our Standard rates and Low Equity premiums which may apply. If a home loan is greater than 80% of the property's value, a low equity interest rate premium will apply.

Owner Occupied lending is:

  • Where there is a minimum 20% equity in the property, and the individual seeking the loan intends to occupy the property; or
  • A First Home Loan.

Please see our Fees page for details on our Loan fees.

For fixed home loans - If you repay your home loan before the fixed term is finished, you may be charged early repayment fees – see The Co-operative Bank Early Repayment Formula.

Our terms and conditions for our home loan products are available here.