NZ Mortgage Calculator

Every major NZ bank's mortgage rates in one place, updated daily. Model a split loan, estimate a break fee, and get free alerts when a rate moves.

Compare mortgage repayments from every major NZ bank — ANZ, ASB, BNZ, Kiwibank, Westpac, TSB, SBS Bank and Co-operative Bank — all in one place, updated daily Split your loan across multiple fixed terms to spread your refix risk, and see your blended rate and combined repayment. Calculate extra repayment savings, estimate break fees using RBNZ swap rates, compare two bank deals side by side, and track your mortgage progress against plan. Get alerted when a rate drops below your target — or whenever any bank moves a rate. View historical rate trends for every bank and term, and see all current rates on one screen. Everything is free. No sign-up required — alerts work straight away, and signing in is optional if you'd also like them by email. Rates shown are advertised rates and indicative only. This app is for information only and is not financial advice. Always confirm with your bank or a licensed Financial Advice Provider.