New Zealand Mortgage & Property Calculators
Calculate mortgage repayments, compare renting vs buying, and analyse rental yields in New Zealand. All calculators use NZ conventions: LVR restrictions, floating vs fixed rate language, weekly rent inputs, and NZD currency.
All Calculators
7 free toolsMortgage Repayment Calculator
Calculate your monthly mortgage repayment for any NZ home loan.
Open calculator →Extra Repayment Calculator
See how extra repayments reduce your NZ mortgage term.
Open calculator →Rent vs Buy Calculator
Compare renting vs buying in NZ — find your financial break-even.
Open calculator →Deposit Savings Calculator
Work out how long to save your NZ property deposit.
Open calculator →Refinance Savings Calculator
Model your NZ refinance savings and break-even point.
Open calculator →Rental Yield Calculator
Calculate gross and net rental yield — supports weekly NZ rents.
Open calculator →Renovation Loan Calculator
Calculate renovation loan repayments and equity changes in NZ.
Open calculator →New Zealand Property Guides
Understanding RBNZ LVR restrictions in NZ
What LVR rules mean for first home buyers and investors.
GuideFixed vs floating: which NZ mortgage is right for you?
How to choose between fixed and floating interest rates in NZ.
GuideThe bright-line test explained for NZ investors
How the NZ bright-line property rule works and who it affects.
New Zealand market note
These calculators are built for the New Zealand market: NZD currency, LVR terminology, no stamp duty (NZ has none), and floating/fixed rate language. RBNZ LVR restrictions apply to most borrowers. Consult a registered NZ financial adviser for personalised advice.