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Mortgage calculator

This is a powerful mortgage calculator, although if you are new to on-line calculators you may wish to start with something a bit more basic. Try here» On some browsers, this full page may take a moment to load. We also recommend you turn off any pop-up blocker before using this page.

There are two identical calculators here, allowing you to compare one scenario with another.

READ THIS FIRST. Start with deciding what you want to know, and clicking the corresponding 'radio button' ¤ – this tells the calculator what answer you are looking for, and the result is displayed in the box next to that button. You can only solve for one attribute at a time.

Option One
Option Two
Loan amount (\$)
Interest rate (% p.a.)
Loan term (yrs)
Payment frequency
Balloon payment
Monthly fee (\$)
Repayment amount (\$)
Interest + fees paid :
Principal repaid :
Total amount paid :
Interest + fees paid :
Principal repaid :
Total amount paid :

Click on a rate to select it

Institution Variable 6 mths 12 mths 18 mths 24 mths 36 mths 48 mths 60 mths
ANZ 4.44 3.55 2.55 2.65 2.69 2.79 4.15 4.25
ASB 4.45 3.39 2.55 2.65 2.69 2.79 3.09 3.19
BNZ 4.55 4.29 2.55 2.65 2.69 2.79 2.99 2.99
Co-operative Bank 4.40 2.55 2.55 2.69 2.69 2.79 2.99 3.19
HSBC 4.49 2.79 2.45 2.55 2.60 2.65 2.79 2.89
Kiwibank 3.40 3.55 2.55 2.79 2.79 3.09 3.19
SBS Bank 4.54 3.39 2.55 2.69 2.69 2.75 3.09 3.19
TSB Bank 4.54 2.99 2.55 2.65 2.69 2.79 2.99 2.99
Westpac 4.59 4.79 2.55 4.25 2.69 2.79 2.99 2.99