Make the next buying decision with numbers, not guesswork.

Use your own planning rate to estimate principal-and-interest repayments, total interest and total paid.

Best before setting a target purchase price

Compare modelled interest and payoff time with recurring extras or one entered lump sum.

Best before changing automatic repayments

Compare two entered rates and place the monthly increase beside household cashflow.

Best before choosing a fixed term or price ceiling

Sum property-specific quotes and allowances without invented universal fee ranges.

Best before making an offer or confirming finance

Calculate deposit percentage, remaining loan and simple LVR from values you enter.

Best before comparing low-deposit pathways

Model target property price, deposit percentage, current savings, KiwiSaver, monthly savings, and time to target.

Best for buyers still building the deposit

Estimate withdrawable balance, partner contribution, eligibility checks, and first-home deposit contribution.

Best before asking your provider or adviser

Compare rent, mortgage payments, ownership costs, property growth, investment returns, and equity over time.

Best when the decision is close

Use the full calculator hub for borrowing scenarios, repayments, extra payments, split loans, and property comparisons.

Best once income and expenses are known