Free NZ Tools
Run the numbers.
Use our free NZ mortgage tools to plan your next move — whether you're buying your first home, refinancing, or investing in property.
Mortgage Repayment Calculator
Loan type
Payment frequency
Estimated monthly repayment
$3,376
monthly over 25 years
Total interest
$512,811
Total cost
$1,012,811
This calculator provides estimates only and does not constitute financial advice. Results are based on fixed repayments. View disclosures.
Borrowing Power Calculator
Estimated borrowing power
$314,296
maximum loan estimate
Available monthly repayment capacity
$2,417
35% of gross monthly income minus existing expenses
This calculator provides estimates only and does not constitute financial advice. Borrowing power varies by lender, deposit size, and credit history. The assessment rate shown is used by many NZ banks as a stress-test buffer. View disclosures.
Affordability Calculator
⚠ May be a stretch
$3,540
estimated monthly repayment on $560,000 loan
Loan-to-value ratio (LVR)
80%
≥20% deposit — avoids LMI in most cases
This calculator provides estimates only and does not constitute financial advice. The affordability benchmark (≤35% of gross income) is indicative — lenders assess applications individually. View disclosures.
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Our calculators give you a starting point — our advisers find your best real-world deal across 15+ NZ lenders. Free, unbiased, and no obligation.