Repayments, total interest, LVR and rate stress-test —
plus first home buyer tools including KiwiSaver, First Home Grant and borrowing power.
Quick Answer
A NZ mortgage repayment depends on the loan amount, interest rate, and term. On a $600,000 loan at 6.5% over 30 years, principal & interest repayments are approximately $3,792/month. Owner-occupiers need at least a 20% deposit (LVR ≤ 80%); investors need 35% (LVR ≤ 65%). Enter your loan details below to calculate monthly repayments, total interest paid, and compare principal & interest against interest-only.
Calculations use NZ lending standards and guidelines.
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Used by homeowners, investors and professionals across NZ.
All results are general information only and do not constitute financial advice. Figures are estimates based on the details you enter — always do your own due diligence or speak to a licensed financial adviser before making decisions.