CALCULATORS

Run the numbers with our free-to-use tools.

Calculators

Home Loan Calculators

If you’re looking for a calculator to help to understand how a mortgage works, then look no further.

Use our 9 free home loan calculators to help you understand how much you can borrow, and what your repayments will be. You can then play around with fine tuning your mortgage to suit your needs.

We even have calculators to help with budgeting, and another one that helps compare different loans side by side.
If you are interested in speaking with a qualified Home Loan adviser about your options, please click here and we will contact you within 24 hours.

Loan Comparison

Weighing up a couple of different home loans and not sure which one will work out better for you?

Loan Repayment

Use our loan repayment calculator to work out what your repayments will be, based on how much you’re borrowing, the interest rate, and the term of the mortgage.

Lump sum repayment calculator

Lump sums are hard to come by but if you do happen to receive a bonus, inheritance, or sell an asset, this calculator will show you how much interest and time you will save if you put it on your Home Loan.

Split loan – fixed vs floating calculator

Splitting your home loan between floating and fixed interest rates at different amounts can make a big impact on the cost of your monthly repayments.

Extra loan repayments calculator

See how making extra repayments on your mortgage reduces both the length of your home loan and the total amount you will pay in interest.

Home loan offset calculator

An offset mortgage links your mortgage to your everyday accounts. Simply put, your savings get deducted from your loan balance, which reduces your monthly interest costs and repayments.

Income tax calculator

Our income tax calculator estimates New Zealand income tax on your gross annual income, showing the tax amount in each tax bracket and total income tax for the year.

Budget planner calculator

Plan your household budget using our budget calculator to see how you can save money successfully week on week.

Kiwisaver: Government Contribution calculator

Use our online calculator to work out if you will receive your Government Contribution and contact us to talk about making the most of KiwiSaver.

Borrowing capacity

Our borrowing capacity calculator provides a quick estimate of how much you may be able to borrow based on the income and expenses entered.

OUR PHILOSOPHY

Protect, Own, Grow.

Embracing a holistic view of your financial wellbeing can help you make better decisions, now and in the future. Our three-part framework balances the many moving parts that shape your life at various times.

Protect

Coverage for what matters.

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Own

Get the home you want.

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Grow

The future is what you make it.

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