Free NZ Mortgage Calculators & Tools
Estimate repayments, borrowing power, deposit progress and other mortgage scenarios. These free tools are planning guides rather than lender approval or personalised financial advice.
First Home Buyer
Essential tools for planning your first home purchase
Borrowing Calculator
Estimate how much you might be able to borrow on a mortgage
Loan Repayment Calculator
Calculate what your mortgage repayments could be
LVR Calculator
Calculate your loan-to-value ratio and deposit requirements
Debt-to-Income Calculator
Calculate your DTI ratio and see how it affects borrowing capacity
Flatmate Income Calculator
See how boarder or flatmate income could increase your borrowing power
Advanced Mortgage Structure Tool
Build a split mortgage in one place — multiple components, overpayments, offset, and side-by-side scenarios
Free eBooks
Download our eBooks for First Home Buyers, Investors, Refixing and Building
KiwiSaver
Calculate your KiwiSaver benefits for buying a home
Property Investment
Analyse investment properties and build your portfolio
Mortgage Management
Optimise your existing mortgage and save money
Mortgage Refinance Calculator
Estimate the benefit of refinancing your mortgage to another bank
Break Cost Estimator
Estimate if breaking your fixed rate mortgage could save you money
Loan Comparison Calculator
Compare how different interest rates impact mortgage payments
Interest Comparison Calculator
Build multiple loan scenarios and compare interest rates side by side
Payment Frequency Calculator
See how weekly or fortnightly payments can reduce your loan term
Extra Payment Calculator
Calculate how much time and interest you can save with extra payments
Offset Account Savings Calculator
See how offsetting savings against a mortgage can reduce interest costs
Latest Interest Rates
Check back here regularly to see the latest interest rates from the major banks
Budgeting & Savings
Plan your budget and track your savings progress
Budget Calculator
Calculate the surplus (or deficit) in your budget
Deposit Savings Calculator
Calculate how long it will take to save your house deposit
Credit Card Impact Calculator
Understand how your credit card limit affects your mortgage borrowing power
Lifestyle Spending Calculator
See how small daily expenses add up and could boost your deposit savings
Smoking Savings Calculator
See how quitting smoking could boost your deposit savings
Take Our Tools With You
Access all calculators anytime with the free Mortgage Lab app.
Need Personalised Advice?
Our calculators provide estimates, but every situation is unique. Talk to one of our expert advisers for tailored mortgage advice.
Get Started Today