Make sense of your mortgage.
Free NZ mortgage calculators, plain-English guides, and access to experienced mortgage advisers — all in one place.
No jargon. No obligation. Just practical help to understand your options.
NZ Market Snapshot
Last updated 19 October 2026
RBNZ OCR
2.75%
Major-bank advertised 1-year fixed
4.99% – 5.19%
ANZ, ASB, BNZ and Westpac; specials where offered. Generally requires at least 20% equity; lender conditions apply. Rates can change without notice.
Next OCR review
28 October 2026
Checked daily on the first visit when due. Official pages are read using Jina Reader; Westpac may use interest.co.nz if its page is unavailable. Rates can change between checks.
Free mortgage calculators
Indicative estimates — not financial advice or a loan offer.
What are you trying to do?
Find the right guidance for your situation.
Buy my first home
KiwiSaver, deposit, pre-approval and what to expect
Refinance or restructure
Could you get a better deal? When it's worth switching
Investment property
LVR rules, rental income assessment, portfolio lending
Build a home
Construction loans, progress payments, what lenders need
Self-employed
How income is assessed, documentation, lender variation
Bank declined me
One lender isn't all lenders — what your options are
Reduce my mortgage faster
Extra repayments, lump sums and offset strategies
Mortgage guides
Plain-English answers to common NZ mortgage questions.
Mortgage broker NZ: the straight-talking guide
Working with a brokerMortgage broker vs bank: what's the real difference?
Working with a brokerIs a mortgage broker worth it in NZ?
Deposit & equityHow much deposit do I need to buy a home?
First home buyersFirst home buyer mortgage broker NZ
Self-employedSelf-employed mortgage: what lenders look for
Costs & feesHow mortgage brokers get paid in NZ
Mortgage basicsCommon NZ mortgage questions answered
What Jeremy's clients say
Buying a home or restructuring a mortgage can feel complicated. Jeremy's clients consistently mention clear communication, practical guidance and making the process easier.
“Highly recommend Jeremy. He made things simple, easy and life changing!”
“Jeremy's communication and efficiency was amazing. He was so helpful and good at prompting banks, lawyers and ourselves to get things sorted quickly. Thanks Jeremy, we love our new home ❤️”
“Jeremy was great to work with. Pushed hard for me and got a great outcome! Would highly recommend to others!”
Clear advice. Fast communication. Support from the first conversation through to settlement.
Check my borrowing powerNo credit check. Indicative estimate only.
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Calculators only take you so far.
Every lending situation has details that a calculator can't account for — your employment type, credit history, the lender's current appetite, and how your application is structured.
Jeremy Zinzan is a Financial Adviser who works with borrowers across New Zealand. He provides advice through Vega Mortgages Limited and is happy to sense-check your situation, no obligation.
Jeremy Zinzan (FSP1007062) is a Financial Adviser providing financial advice through Vega Mortgages Limited (FSP653431), authorised under the FAP licence held by Vega Group Holdings Limited (FSP773794).
Jeremy Zinzan
Financial Adviser
Vega Mortgages Limited · FSP653431
Law & Finance, University of Otago
About Jeremy →