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Mortgage repayments Calculator

Pay your Mortgage off Faster

Calculate your home loan repayments

Use the mortgage calculators below to see what your loan payments will be and how much quicker you can pay off your loan by increasing your payments. By increasing you payments you will incur less interest costs. Use the calculator below to see how much you can save with by increasing payments Contact one of our New Zealand Mortgage and Finance Specialists to help you with your loan application.

Choose the calculator that best suits your repayments structure







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How it works

Repayment Frequency

Choose the calculator that matches your preferred repayment frequency which is either Monthly, Fortnightly or Weekly. Use the calculators to compare how different repayment frequencies and amounts will change the duration and cost of your desired loan. (Keep in mind, not all lenders allow weekly repayments.)

Interest Rate 

The default interest rates used in the calculator are for illustration purposes only. For an indication of current rates, visit Work with one of our specialists to see which lender can offer you the best rate and meet your lending needs. 

Cost of the mortgage

Once you have entered in your loan details, figures will be produced showing the cost of your mortgage. The interest rate and duration dictate how much interest you will pay over the duration of the loan. The repayment amount shows how much the loan will cost you based on your repayment frequency.

Extra Payments

In the last field, enter in any figure larger than the minimum repayment to see how much the loan duration is reduced by and how much interest can be saved. The type of loan product you choose may restrict the amount of additional repayments that can be made, especially on a fixed term home loan. Each lender has varying policies surrounding additional repayments. Speak with one of our specialists to see what your best loan options are. 


This calculator is for information purposes only and does not provide financial advice. We recommend seeking financial advice about your situation and goals before getting a financial product. Get in touch with one of our specialists through our contact page.

This calculator provides an estimated amount and is for illustrative purposes only. The figures produced are for illustrative purposes and may differ from real life figures. It is based on the accuracy of the limited financial information provided by you and assumptions made by us. Results are based on amortised scheduled repayments with a constant interest rate for the term of the loan which will likely not reflect a real situation. This is not an offer of finance or demonstration of approval with any of our partnered lenders. Approval is subject to a successful lending application and financial situation.  

The information collected in this calculator will not be saved to our systems and is only seen by you.

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