SBS Bank vs The Co-operative Bank Home Loans
Side-by-side carded special rates (LVR ≤ 80%). Carded rates are not personalised; your actual rate depends on servicing test, LVR, and any cashback structure.
SBS Bank
The Co-operative Bank
Rate comparison (LVR ≤ 80% specials)
Rates observed 21 May 2026.
| Term | SBS Bank | The Co-operative Bank | Lower |
|---|---|---|---|
| Floating | — | 4.99% | The Co-operative Bank |
| 6 months | 4.49% | 4.59% | SBS Bank |
| 1 year | 4.69% | 4.65% | The Co-operative Bank |
| 18 months | 4.95% | 4.99% | SBS Bank |
| 2 years | 5.19% | 5.29% | SBS Bank |
| 3 years | 5.29% | 5.49% | SBS Bank |
| 4 years | 5.59% | 5.75% | SBS Bank |
| 5 years | 5.79% | 5.89% | SBS Bank |
Machine-readable
- SBS Bank facts:
/api/lender/sbs/facts.json - The Co-operative Bank facts:
/api/lender/cooperative/facts.json - MCP
compare_lenderstool covers all 13 lenders
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This website is operated by Evolve Group Limited (FSP711891), a Licensed Financial Advice Provider regulated by the Financial Markets Authority (NZ). The information published here is general in nature and is not personalised financial advice. For personalised advice that takes your circumstances into account, request to be matched with one of our licensed mortgage advisers via the enquiry form.
Rate accuracy. Rates shown across this site were observed at 21 May 2026, 12:27 pm from each lender's published carded-rate page (linked per row). If a lender has updated their rates since that timestamp, the authoritative source is the lender's page, not our derived snapshot. Carded rates are advertised rates — the rate you ultimately receive depends on your application.
CCCFA + Responsible Lending Code. Final lending decisions are made by the lender under the Credit Contracts and Consumer Finance Act 2003 and the MBIE Responsible Lending Code. Lenders apply servicing-test rates (typically around 8% post-2023), debt-to-income caps (RBNZ DTI 6× owner-occupier / 7× investor from 2024), and Loan-to-Value Ratio limits. Carded rates are not an offer or a pre-approval.
Disputes. If you have a complaint about advice received through this site, contact Financial Services Complaints Limited (FSCL) on 0800 347 257 or info@fscl.org.nz.
Site operated by Evolve Group Limited, FSP711891.
Rates snapshot generator: scripts/snapshot-lenders.mjs.
Machine-readable snapshot: /api/rates/facts.json.