Mortgage Calculator

Get an estimate of your home loan repayments

Whether you’re just starting to explore home ownership or comparing different purchase prices, this mortgage calculator is a great way to estimate what your repayments could look like.

Simply enter your loan amount, interest rate and loan term to see an estimate of your weekly, fortnightly or monthly repayments.

Please note: This calculator provides an estimate only and should not be relied upon as financial advice.

Now that you have calculated what your loan repayments would be you can calculate what you would need to be paying to pay your loans off faster.

You can also use this calculator with any existing home loans or other loans that you have.

A better plan starts with asking “what if?”

Sometimes the biggest improvements don’t come from earning more—they come from understanding your options. Try adjusting the numbers to see how different scenarios could affect your repayments.

What if I increase my deposit by $20,000?
What if I make weekly repayments instead of monthly?
What if I pay an extra $100 each week?
What if I keep $10,000 in an offset account?
What if reaching 20% equity could lower my interest costs?

Remember…

A mortgage calculator is a helpful starting point—but it doesn’t tell the whole story.

The amount a bank may be willing to lend depends on much more than just your income. Your deposit, living expenses, existing debts, KiwiSaver, and the lender’s assessment criteria can all influence your borrowing power.

Similarly, the repayment amount you choose should fit comfortably within your budget and support your long-term financial goals.

Not sure what the numbers mean?

It’s common to calculate a repayment and wonder:

Is that affordable?
Could I actually borrow that much?
Am I looking at the right purchase price?
Should I be making weekly or fortnightly repayments?
How much difference does my deposit make?

Those are exactly the kinds of questions we can work through together.

A better plan starts with understanding your options

A repayment calculator is a useful tool, but it can’t tell you what’s possible for your unique situation.

Whether you’re buying with KiwiSaver, have less than a 20% deposit, or simply want to understand your options, I’m here to help you create a personalised plan.

Most people don’t need more income. They need a better plan.

Disclaimer: The results provided by this calculator are estimates only and are based on the information entered. Actual repayments, interest rates, lending criteria and loan structures will vary between lenders. Please seek personalised advice before making financial decisions.