Lady on laptop using mortgage Tools and Calculators

Mortgage Calculators

Want to see how much you could save if you switched to NZHL?

Are you wondering how your repayments would vary depending on house price, deposit and loan term or how much you could borrow?

Have you ever questioned what value house you could buy with your rent money?

Check out our handy home loan calculators below to find out.

If this looks good, book a free, no-obligation appointment with your local Mortgage Mentor and see what could be possible for you. You've got nothing to lose!

Compare how much NZHL could save you on your mortgage

Calculate how much you could save in time and interest if you switched your mortgage to NZHL.


We have used a test rate of 8.5% has been used to calculate these results. This calculator is intended to provide you with an indication only and is based on the limited information provided by you. It does not constitute an offer of finance from NZHL. All loans are subject to lenders normal lending criteria, terms, and conditions, and it is important to note that fees may apply and that interest rates are subject to change.

Calculate how much
you could borrow

Use this calculator to see how much you could potentially borrow to buy a house.


This calculator is intended to provide you with an indication only and is based on the limited information provided by you. It does not constitute an offer of finance from New Zealand Home Loans. All loans are subject to lender's normal lending criteria, terms and conditions, and it is important to note that fees may apply and that interest rates are subject to change.

All banks are subject to Reserve Bank restrictions on lending over 80% of a property’s value. This may affect the outcome of any application you make.

Figure out how much your repayments will be

This calculator will help you see how much your regular repayments vary depending on house price, deposit and loan term.


This calculator is intended to provide you with an indication only and is based on the limited information provided by you. It does not constitute an offer of finance from New Zealand Home Loans. All loans are subject to lender's normal lending criteria, terms and conditions, and it is important to note that fees may apply and that interest rates are subject to change.

All banks are subject to Reserve Bank restrictions on lending over 80% of a property’s value. This may affect the outcome of any application you make.

See what your current rent payments could buy you

If you currently pay rent, use this calculator to see what value house you could buy instead.


This calculator is intended to provide you with an indication only and is based on the limited information provided by you. It does not constitute an offer of finance from New Zealand Home Loans. All loans are subject to lender's normal lending criteria, terms and conditions, and it is important to note that fees may apply and that interest rates are subject to change.

All banks are subject to Reserve Bank restrictions on lending over 80% of a property’s value. This may affect the outcome of any application you make.

Discover the NZHL difference today, find your local consultant.