General information, not advice.

Figures produced by the calculator, stress test and readiness report are estimates based on the inputs you provide. Real interest rates, fees, rates, insurance premiums and lender assessment rules vary — sometimes a lot.

Before acting on anything here, speak with a qualified, New Zealand-registered professional: a licensed financial adviser, your lawyer or conveyancer, a registered valuer, and a mortgage adviser or broker. They can apply your actual circumstances to the decision in a way a website cannot.

We make no guarantee that the tools or content are accurate, complete or up to date for your situation, and we accept no liability for decisions made in reliance on them. Use this site to ask better questions of the people who advise you.