Mortgage & Property Calculators
24 free mortgage & property calculators for New Zealanders.
Home loan repayments, borrowing power, LVR ratio, deposit goals, rent-vs-buy, rental yield, break fees, council rates, and renovation budgets for NZ property.
Mortgage Repayment Calculator
Calculate NZ home loan repayments with current mortgage rates. Compare floating vs fixed, monthly vs fortnightly, and see total interest cost.
How Much Can I Borrow Calculator
Estimate how much a NZ bank might lend you based on your income, expenses, and existing debts. Uses typical NZ lending criteria including the CCCFA rules.
First Home Grant Calculator
Check eligibility for the First Home Grant — up to $10,000 for new builds, $5,000 for existing homes. Linked to KiwiSaver and regional price caps.
House Sum-Insured Calculator
Estimate the rebuild cost for your home using NZ regional $/m² benchmarks. Avoid underinsurance after the EQC cap increase to $300k.
Mortgage Refix Strategy Calculator
Compare 1, 2, 3 and 5-year fixed mortgage terms side-by-side to see which gives the lowest total cost over your full loan term.
Mortgage Lump Sum Calculator
See how much interest you save and how many years earlier you pay off your NZ mortgage by making a one-off lump sum payment.
Healthy Homes Compliance Cost Calculator
Estimate the cost to make a NZ rental property comply with the Healthy Homes Standards. Covers heating, insulation, ventilation, moisture, and drainage.
Mortgage Break Fee Calculator
Estimate the break fee for exiting a fixed-rate mortgage early. NZ banks charge based on the rate differential and time remaining.
Deposit Calculator
Plan how long it will take to save a 20% house deposit in NZ. Factor in KiwiSaver withdrawals, First Home Grant, and regular savings contributions.
Rent vs Buy Calculator
Compare the true cost of renting versus buying a home in Aotearoa. Includes mortgage costs, rates, insurance, maintenance, and opportunity cost of your deposit.
Bright-Line Test Calculator
Determine if your property sale is subject to the bright-line test and estimate the tax owed. Covers the 2-year rule for new builds and other properties.
2026-27 FYLVR Calculator
Calculate your NZ loan-to-value ratio. Check RBNZ 80% LVR for owner-occupiers, 70% for investors. See if you need a 20% or 30% deposit.
Real Estate Commission Calculator
Estimate real estate agent commission on your property sale. NZ agents charge a tiered percentage — typically 3-4% on the first $400k, then 2% on the balance.
Rental Yield Calculator
Calculate the gross and net rental yield on an investment property. Factor in rates, insurance, property management fees, maintenance, and mortgage interest.
Heat Pump Sizing Calculator
Find the right heat pump size for your room or home. Based on NZ climate zones, insulation levels, ceiling height, and window orientation.
Solar Panel Savings Calculator
Estimate savings from installing solar panels on your NZ home. Covers system size, generation by region, buy-back rates, and payback period.
Renovation Budget Calculator
Plan your renovation budget with typical NZ costs for kitchens, bathrooms, decks, and more. Includes building consent costs and a contingency allowance.
Mortgage Offset Calculator
Calculate how much an offset account saves on your NZ mortgage. Compares against keeping money in a regular savings account taxed at RWT.
Contents Sum-Insured Calculator
Estimate the replacement value of your household contents for NZ insurance. Includes specified items (jewellery, electronics, art).
Reverse Mortgage Calculator
Model a Heartland-style reverse mortgage. See max LVR by age, compounding debt over time, and estate equity remaining after years of drawdown.
Council Rates Estimator
Estimate your annual council rates based on your property value and local authority area. Covers general rates, targeted rates, and water charges.
Moving Costs Calculator
Budget for your house move in NZ. Covers removalists, bond, letting fees, connection fees, mail redirection, and other moving day expenses.
Swimming Pool Cost Calculator
Estimate the cost of building and running a swimming pool in NZ. Includes fencing requirements under the Building Act, heating options, and chemical costs.
Water Tank Sizing Calculator
Calculate the right water tank size for rainwater collection based on your roof area, local rainfall data, and household water usage. Common for rural NZ homes.