Existing Loan Analysis ToolsBeta
Model different rate combinations across major NZ banks and see how your estimated repayments compare.
How It Works
Tell us about your loan & priorities
Current balance, rate, and what matters most to you
Compare options
We calculate 100+ rate combinations so you can compare the numbers
View projections
Payment timeline, interest estimates, and refix schedule
Benefits of Using This Tool
Compare all major banks in minutes
View estimated total cost, not just rates
Break fees vs. interest differences
Model different term lengths
Know the full cost before you switch
See switching costs, cashback offers, and break-even timelines - so you can make an informed decision about refixing.
Everything you need to research your mortgage
Compare rates, model options, and track your progress - all in one platform
Option Comparison
View 3-5 rate combinations and compare estimated numbers side by side.
Live Bank Rates
Current rates from all 8 major NZ banks across 1-5 year terms. Updated daily.
Break Fee Estimator
Estimate potential break costs. Actual break fees are calculated by your bank.
Break Even Analysis
See how long it could take for interest savings to offset break fees.
Split Loan Modelling
Model multiple loan portions with different rates and terms.
Rate Change Impact
See how potential rate changes could affect your estimated repayments.
Offset Account Modelling
Model the estimated impact of offset accounts on your total interest.
Cashflow Comparison
View estimated monthly payment differences across rate and term combinations.
Extra Payment Modelling
See the estimated impact of additional payments on your payoff timeline.
Your Privacy Matters
Your financial data deserves the same protection as your money. We built RateMate with privacy at the core.
Read our Privacy PolicyEncrypted storage
Your data is encrypted at rest and in transit with industry-standard protocols.
No data selling
We never sell or share your financial data with third parties. Ever.
You're in control
Your scenarios stay private. Delete your account and data anytime.
Ready to explore your mortgage options?
Takes 3-5 minutes • Free to use
Important Disclaimer
RateMate is an informational tool only and does not provide financial advice. All calculations, rates, and projections shown are estimates for educational purposes and may not reflect actual bank offers, fees, or terms. Interest rates are sourced from publicly available data and may not include all applicable fees or conditions. Before making any financial decisions, please consult with a qualified financial adviser or mortgage broker. By using this tool, you acknowledge that all results are illustrative only and should not be relied upon as the basis for any lending decision. This service is provided under the Financial Markets Conduct Act 2013 (New Zealand) - we are not a registered financial adviser.