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Get mortgage scenarios based on your priorities. We analyze hundreds of rate combinations across 5 major NZ banks and show you exactly how much you can save.
How It Works
Tell us about your loan & priorities
Current balance, rate, and what matters most to you
Get smart suggestions
We test 100+ scenarios and rank by your priorities
See your savings roadmap
Payment timeline, interest breakdown, and refix schedule
Benefits of Using This Tool
Compare all major banks in minutes
See total cost, not just rates
Break fees vs. interest savings
Model different term lengths
Everything you need to make smart mortgage decisions
Compare rates, model scenarios, and track your progress—all in one platform
🎯 Smart suggestions
Get 3-5 scenarios based on your priorities—minimize payment, save interest, or balance flexibility.
📈 Live Bank Rates
Compare current rates from ANZ, ASB, BNZ, Westpac, and Kiwibank across 1-5 year terms. Updated daily.
💵 Break Fee Calculator
CCCFA-compliant calculation estimates show the true cost of switching banks or breaking your current term early.
⚖️ Break Even Analysis
See exactly how long it takes for your savings to offset any break fees—make informed decisions.
🔀 Split Loan Modeling
Model multiple loan portions with different rates and terms. Perfect for hedging your rate risk.
⚠️ Risk Assessment
Analyze rate lock periods and refinancing risks. See how rate changes would impact your payments.
💰 Offset Account Modeling
Calculate real savings from offset accounts and see the impact on your total interest paid.
📊 Cashflow Analysis
Visualize monthly budget impact and payment changes across different scenarios.
🚀 Extra Payment Planning
See the impact of additional payments on your payoff timeline and total interest saved.
Ready to find your best mortgage option?
Takes 3-5 minutes • Free to use
Important Disclaimer
This calculator is for informational purposes only and does not constitute financial advice. Results are estimates based on the information you provide and current advertised rates. Actual loan terms, rates, fees, and repayment amounts may vary. We strongly recommend consulting with a qualified financial adviser or mortgage broker before making any financial decisions. RateMate.co.nz is not responsible for any decisions made based on the information provided by this tool.