★ NZ Mortgage Calculator · 2026 rates

Find out what you can afford.

Repayments, borrowing power, deposit goals, KiwiSaver and Kāinga Ora eligibility — your full home-buying picture in one tool, on real NZ 2026 rates.

Tell us about yourself

We'll use this to suggest smart defaults for every field

Who's buying?
Buyer details
Property

Smart defaults

Based on your age, region and profile, we'll pre-fill the technical fields you'd otherwise need to research — interest rate, loan term, house price growth, KiwiSaver rates, living expenses and more. You can override anything.

Your profile
Auckland
First home buyer
BuyersSolo
Your age30
Max loan term30 yrs
Region median price$950,000
Suggested interest rate5.25%
First home buyer support
Press Fill smart defaults to auto-fill the technical assumptions across all steps. You can always change any value manually.

Income & tax

NZ PAYE 2026 — real take-home pay

Each buyer's salary, KiwiSaver and student loan. Add or remove buyers in the General step.

Combined take-home pay
$0
per year, after tax & KiwiSaver
Gross household income$0
PAYE income tax$0
ACC levy$0
Student loan$0
KiwiSaver (combined)$0
Net monthly$0
Net weekly$0

Your deposit

What you've got and how fast you're saving

Target property
$
%
Savings & assets combined into one deposit
Other
$
%
Deposit available today
$0
calculating…
Total cash savings$0
KiwiSaver (less $1k min)$0
Family gift$0
Progress to 20% deposit0%
5% needed
$0
Kāinga Ora path
20% needed
$0
Best rates
Enter your details to see your deposit gap.

Borrowing power

Household expenses & what banks will lend

Monthly household expenses

These are your combined household costs. Be realistic — banks scrutinise spending. Exclude rent (the mortgage replaces it).

$
$
$
$
$
$
Lending assumptions
%
Banks cap lending at 6× gross income (RBNZ DTI rule) AND test you can service the loan at ~7.5%. We show the lower of the two.
Maximum you could borrow
$0
lower of DTI cap & affordability limit
DTI cap (6× income)$0
Affordability limit$0
+ Your deposit$0
Max property price$0
Kāinga Ora First Home Loan (5% deposit)

Repayments & costs

Your actual weekly outgoings

Mortgage terms
%
yrs
%
Annual ownership costs
$
$
$
$
Total housing cost
$0/wk
mortgage + rates + insurance + upkeep
Loan amount$0
Effective rate0%
Mortgage / month$0
Mortgage / fortnight$0
Ongoing costs / month$0
Total / month$0
Housing cost vs take-home0%
Total interest over loan $0
Your home buying snapshot
—
Complete the steps to see your personalised assessment.

Income

Gross household$0
Net / year$0
Net / month$0

Deposit

Available today$0
20% target$0
Gap to 20%$0

Borrowing

Max borrowing$0
Loan needed$0
Max price$0

Repayments

Per week$0
Per month$0
% of take-home0%

Deposit growth vs house price target

Your deposit
20% target
Goal reached

Monthly cost breakdown

Year-by-year timeline

How your deposit and the house price move over time

YearCashKiwiSaverTotal depositHouse price20% needed
Reach 5% deposit
—
Reach 10% deposit
—
Reach 20% deposit
—
Indicative only — not financial advice. Uses NZ 2026 tax rates and standard lending assumptions. KiwiSaver withdrawal requires 3+ years membership and first-home status (leave $1,000 minimum). Smart defaults are estimates based on regional averages — always verify with a mortgage adviser.