Mortgage calculators
Free NZ mortgage calculators to check your borrowing power, estimate repayments, and understand your options. No credit check, no sign-up required.
Borrowing power calculator
Find out how much you could borrow for a home loan based on your income, deposit, and existing financial commitments. Takes around two minutes. No credit check, no obligation.
Calculate borrowing power →Mortgage repayment calculator
Enter a loan amount, interest rate, and term to see your weekly, fortnightly, and monthly repayments — plus a rate comparison table showing how your payments change if rates move up or down.
Calculate repayments →More calculators coming soon
We're building additional tools to cover more common mortgage scenarios. In the meantime, Jeremy can work through these calculations with you directly.
- →Interest-only calculator — compare interest-only versus principal and interest repayments to understand the trade-offs for investment lending or short-term situations.
- →Refinance savings calculator — estimate how much you could save by switching lenders or restructuring your mortgage at a lower rate.
- →Extra repayments calculator — see how much sooner you could pay off your mortgage by making regular extra payments or lump-sum contributions.
- →Rent vs buy calculator — weigh up the financial case for buying versus continuing to rent, based on your deposit size, expected property growth, and rental costs in your area.
- →Lump sum impact calculator — estimate the effect of a one-off extra payment (such as a bonus or inheritance) on your remaining loan term and total interest paid.
Want a proper assessment?
Calculators give you a useful starting point, but Jeremy Zinzan can apply actual lender criteria to your situation — taking into account things the calculators can't, like your credit history, employment structure, and which lenders will suit you best.
Talk to Jeremy about your numbers →