16 calculators in this category
Mortgage CalculatorHome Equity CalculatorLVR CalculatorDTI CalculatorHouse Deposit SavingsBorrowing CapacityMortgage Break FeeMortgage OffsetMortgage RefinanceInterest-Only MortgageRent AffordabilityRental Yield CalculatorRental Cash Flow CalculatorReal Estate CommissionBright-line Test Calculator NZInterest Deductibility Calculator NZ
Frequently asked questions
How much deposit do I need to buy a house in NZ?
Most banks want a 20% deposit for an owner-occupied home; below that a Low Equity Premium or Margin usually applies. The Mortgage and Deposit Savings calculators help you plan for it.
What is LVR and why does it matter?
Loan-to-Value Ratio is your loan as a percentage of the property value. Above 80% LVR, banks face Reserve Bank lending limits and usually charge a low-equity premium. Use the LVR Calculator to check yours.