FREE · NO SIGN-UP · YOUR NUMBERS STAY ON YOUR DEVICE

Do the maths before
the bank does.

Honest New Zealand mortgage calculators — plus a free deposit tracker that follows you from today to your first home. Work out your real numbers in two minutes; then, only if you want, one licensed adviser in your region calls you. Free to you, always.

ROLLING OFF A FIXED RATE
Refix calculator

See what refixing at today's rate does to your repayments — before the bank's letter arrives. Repayments now vs after, equity, indicative cashback.

Check my refix →★ TRACK YOUR PROGRESS
SAVING FOR A FIRST HOME
My Runway

The one tool you come back to: set your deposit goal and watch a single runway advance from today to your first home as you save — with your pre-approval window marked. Free, private, stays on your device.

Start my runway →
READY TO BUY?
First home calculator

How far you really are from your first home: your deposit including KiwiSaver, how much a bank would actually lend you, and how many months to your next deposit milestone.

Check my buying power →
MORE FREE CALCULATORS
All mortgage tools
Repayments, offset, break fees, the true cost of owning a home, and more. No sign-up, your numbers stay on your device.
Not a lender
We don't sell mortgages and we don't take commissions from banks. We connect you with one licensed adviser, once, with your consent.
Your data, your call
The calculator runs in your browser. Nothing is stored or sent until you explicitly ask for a callback.
One adviser, not five
Your enquiry is exclusive to a single adviser in your region — you'll never be ring-fenced by a call centre.
FOR LICENSED ADVISERS

Exclusive, consented mortgage enquiries in your region.

Every enquiry is opt-in with a timestamped consent record, assigned to one adviser only, and optionally bank-verified via open banking before you pick up the phone. Advisers pay per settlement — nothing per lead.

For advisers →