Rating based on 3 reviews

The Co-operative Bank

  • Home loans up to $30,000
  • Low-interest starting from 14.5%
  • Repayment up to 5 years

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Author The Co-operative Bank. Screenshot of The Co-operative Bank website.
[Accessed March 7, 2023]

About The Co-operative Bank

As the only bank in the country to share its profits with its clients, Co-operative Bank offers benefits which you will not find elsewhere.

We are owned by our clients and our core goal is to give back to them. We have been operating in New Zealand since 1928 and we follow our best traditions to this day while offering advanced modern lending solutions to our clients.

We have 34 branches nationwide

We have a comprehensive range of banking products including transaction and savings accounts, personal and business loans and special accounts for children. We have online, telephone, mobile and text banking to make our products and services easy to access and to use at any time. We will identify the optimal solution and do the hard work for you.

The Co-operative Bank Services

We offer comprehensive home loan solutions including professional assistance to New Zealanders.

When you choose to work with Co-operative Bank, we will help you work out how much you can borrow and how you will pay back the loan. We can assist you with devising and following a complete savings plan for producing the deposit. 

Combined solutions are available

We work fast to inform you of the outcome of your easy online loan application as soon as possible. We can give you up to $1,000 to use for paying legal and administrative costs subject to the size of your loan. We offer conventional mortgages with a loan-to-value ratio of 80% and a repayment term of up to 30 years. We provide Welcome Home Loans with a 10% deposit. You can select from fixed and floating rate loans and revolving credit ones. 

The Co-operative Bank – Home loan

  • Loan Type Home loans
  • Interest Rate 14.519.5% p/a
  • Loan Amount up to $30,000
  • Repayment 12 months to 5 years

Benefits of The Co-operative Bank

  • Home loan experts
  • Easy home loans
  • Apply online

The Co-operative Bank home loan is affordable and flexible

The Co-operative Bank home loans in Auckland New Zealand are the most intelligent advances you can consider. Our enhanced and exceptionally prevalent home advance choices offer our customers more than the perfect adaptability and affordability, our client administration surpasses the desires of our customers.

We go over and beyond the call of duty, to make all our clients happy

Purchasing property is an endeavouring to pursue on your own… not such a great deal of fun when you aren’t entirely sure of what to do next. The strategy is dull, disappointing and long. Unless you have a Co-operative Bank specialist dealing with everything for you. Get a home loan expert in your corner.

Our home loan intermediaries work to get the best home loan offer

In this way, be it credit for your starting home, new home, existing property, subsidizing or renegotiating, you will discover that with the assistance of your dedicated financial consultants, you will receive the best possible outcome overall. Your Co-operative Bank advisor will:

  • listen to your prerequisites and get all your requirements
  • think about suitable loan options to suit your needs and budget
  • take a look at approaches to abstain from squandering your time and cash
  • give a proficient proposal to assemble guaranteed decisions
  • Handle transactions, printed material, barricades and points of interest.

The Co-operative Bank home loans in New Zealand, you save in a variety of ways. When you utilize Co-operative Bank, your advisors do all the legwork, investigations and sorting through all the loan options till we find the right one just for you. There are numerous decisions to make before getting a home loan. You, however, don’t need to do all the running around and stressing at this point.

Save time, anxiety and perplexity and have a Co-operative Bank home loan intermediary do all the work for you.

Customer Reviews & Testimonials

No hidden costs! 100% transparency. The Co-Operative Bank provided me with all the different options and payment plans to finance my first home at a good price. The amount I requested was in my a...

Sam J
— Hastings —

Huge high five to the folks at COB!!! Because I prefer face to face interactions when my money is involved, I made the twenty-minute trip, stood in the cue for another fifteen, and patiently wai...

Charlie M
— Masterton —

The Co-operative Bank Contact

Physical Address

Postal Address

  • PO Box 180, Whangarei, 0110, New Zealand

Opening Hours

  • Monday 09:00 – 17:00
  • Tuesday 09:30 – 09:00
  • Wednesday 17:00 – 09:00
  • Thursday 17:00 – 09:00
  • Friday 17:00 – 09:00
  • Saturday – Closed
  • Sunday – Closed