Mortgages
Everything about home loans in New Zealand: how much you can borrow, how repayments actually work, the difference between fixed and floating, and why offset accounts and extra payments matter. Each section groups related guides and free calculators so you can go as deep as you want.
Introduction to Mortgages
Mortgage repayment calculator
Model your repayments on a home loan, see how the interest stacks up over time, and test what happens if you pay a little extra each month.
Open the calculator CalculatorBorrowing power calculator
Estimate how much a bank is likely to lend you based on your income, expenses, debts and mortgage rate.
Open the calculator GuideHow borrowing power works in NZ
What lenders actually look at, how much of your income they'll stretch, and how to improve your position before you apply.
Read the guide GuideBuying your first home in NZ
The honest path from saving a deposit to settlement, including what banks expect and the costs people forget to plan for.
Read the guideComing soon: a first-home buyer schemes explainer covering grants and the deposit help programs, plus how deposit size changes your interest rate and approvals.
Mortgage Types
Offset and extra repayment calculator
See how an offset account or extra repayments cut the interest you pay and how much sooner you could be rid of the loan.
Open the calculator GuideOffset accounts explained
How an offset account works, what it costs to run, and when it beats ordinary extra repayments for getting your mortgage paid down.
Read the guideComing soon: a detailed fixed versus floating comparison, how a revolving credit facility works, and whether splitting your loan across a mix of rates makes sense.