Free NZ mortgage tools
Mortgage tools and calculators
Every free Mortgage Sense calculator in one place. Each gives you an estimate in a minute or two. When the numbers look right, talk to us and we’ll check them against real lender policy.
Last reviewed
Repayments and borrowing
Repayments
Mortgage repayment calculator
Weekly, fortnightly or monthly repayments, total interest and the effect of extra payments.
Open tool →Affordability
Borrowing calculator
A quick affordability check from your income, expenses and debts.
Open tool →Deposit
Home loan deposit calculator
Your deposit as a percentage, your lending band and the gap to the next one.
Open tool →All in one
Mortgage calculator
Repayment, borrowing and deposit calculators side by side on one page.
Open tool →Quote
Mortgage quote estimator
A quick estimate, then how to turn it into an accurate quote.
Open tool →Developers
Development finance pre-qualification
Check whether a project is likely to be fundable before you approach lenders.
Open tool →Guides
Guide
How much can I borrow NZ
Servicing test rates, DTI limits and what lenders really look at.
Read guide →Guide
Mortgage pre-approval NZ
What pre-approval is and how to get one.
Read guide →Guide
Comparing home loan rates
Why the lowest rate isn’t always the cheapest loan, plus this week’s bank rates.
Read guide →Calculators give you a starting point. A free chat gives you real numbers from 30+ lenders.
Book a free chat →