Loan amount based on 80% of the National median property price of $820,000 from the REINZ Residential Statistics Report, June 2021. Current minimum 1, 2 and 4 year fixed rates based on owner occupier loans on Canstar's database available for an 80% LVR. Interest cost calculations assume the 1 and 2 year loans are re-fixed at the end of each period to a new rate as specified by the increase in rate listed, over a total loan term of 30 years.