Use these calculators to understand your mortgage before you speak to a bank or broker. All figures are indicative — your bank will run its own assessment based on your full financial picture.
Repayments
- Mortgage Repayment Calculator NZ — calculate weekly, fortnightly, or monthly repayments for any loan amount, rate, and term
- Extra Repayment Calculator NZ — see exactly how much time and interest extra payments save over your loan
Borrowing
- Borrowing Calculator NZ — estimate your maximum borrowing capacity based on income, expenses, and the DTI limit
- How Much Can I Borrow for a Mortgage NZ? — explanation of how banks calculate your limit
Decisions
- Rent vs Buy Calculator NZ — compare the long-term financial outcome of renting vs buying in NZ
- Refinancing Savings Calculator NZ — calculate your break-even point when switching lenders or rates
Also in Mortgages
- How Home Loans Work in NZ — understanding amortisation and repayment structure
- NZ Mortgage Rates 2026 — current rates to use in your calculations
- Refinancing Your Mortgage NZ — when the numbers support switching