Calculators
Run the number, then decide
Repayments, borrowing power, and a switch comparison. These are guides. A person turns them into a lender-checked figure.
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Create a free account for deeper planning tools. More member-only calculators and planners will be added over time.
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Mortgage Switch Calculator
Compare current splits vs multiple lender proposals — break-fee estimates, cashbacks, clawback and custom one-off offers.
- · Multi-proposal cards + comparison table
- · NZ lender rate board with source timestamps
- · Turns “worth switching?” into a chat CTA
Mortgage Planner
Model your whole portfolio — multiple properties and loans, rate schedules, lump sums, offset accounts, plus snowball and avalanche payoff strategies.
- · Daily NZ-style interest accrual
- · Compare strategies side by side
- · Export and share your plan as JSON
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Home finance finder
New to this? Answer two questions — where you're at, and where you want to live — and see a simple loan for a typical home there. Extra controls stay hidden until you ask for them.
Find a starting loanRepayment calculator
See what a loan could cost you each week, fortnight or month, and how much interest you'd pay over the life of the loan.
Your fortnightly repayment
$1,674.43
Total interest
$656,056
Total to repay
$1,306,056
Indicative only. Assumes a constant rate over the full term and table (principal & interest) repayments. Not a quote or an offer of finance.
How much can I borrow?
A conservative, stress-tested estimate based on your income, outgoings and deposit. Every lender is different — treat this as a starting point.
You might be able to borrow up to
$475,000
Indicative purchase price
$595,000
Loan-to-value (LVR)
80%
A rough, conservative guide only — every lender assesses differently and the real figure depends on a full assessment. Not a quote, pre-approval or offer of finance.
Indicative rates
A sample of the kinds of fixed and floating rates on offer. We compare the live market and negotiate on your behalf.
| Term | Type | Indicative rate (p.a.) |
|---|---|---|
| Floating | Floating | 7.89% |
| 6 months fixed | Fixed | 6.65% |
| 1 year fixedPopular | Fixed | 5.49% |
| 18 months fixed | Fixed | 5.39% |
| 2 years fixedPopular | Fixed | 5.35% |
| 3 years fixed | Fixed | 5.45% |
| 5 years fixed | Fixed | 5.79% |
Sample rates for demonstration only — these are not live or real offers. Actual rates vary by lender, loan size, deposit and your circumstances.
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