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Free tools

Calculators and tools

Work through the numbers on a property decision, from what your equity could support to what the repayments would cost. Each tool uses the same lending rules and formulas New Zealand banks apply.

Live Rates

Today's best mortgage rates

The lowest advertised rate across eight New Zealand banks, updated through the day.

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These calculators are general in nature and produce indicative figures only. They do not take your personal circumstances into account and do not constitute lending or financial advice. Lender criteria, interest rates, and Reserve Bank settings change over time and vary by lender.

Home Equity Calculator

Work out your usable equity and what it could support as a deposit on an investment property.

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Mortgage Repayment Calculator

Work out your repayments and total interest, and compare current rates from eight New Zealand lenders.

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LVR Calculator

See how loan-to-value rules shape the deposit you need — for your own home, a new build, or an existing rental.

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If you're weighing up a loan

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If you're sizing up a deposit

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If you own a home

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