What's New

Recent updates and improvements to RateMate.

April 2026

  • ●Split loan refix support - model and compare refix options for each loan portion separately
  • ●Save and restore split loan scenarios from your dashboard
  • ●Improved privacy policy with clearer data handling language

January 2026

  • ●Bank-grade encryption for all saved scenarios (AES-256 via AWS KMS)
  • ●Email preferences - opt in or out of feature updates from your account settings
  • ●Redesigned mobile experience for results and strategy pages
  • ●Daily swap rates data for enhanced rate calculations

December 2025

  • ●User accounts - sign in with Google to save and manage scenarios
  • ●Dashboard to view, resume, and delete saved scenarios
  • ●Smart comparison - automatically generates and ranks refix options based on your inputs
  • ●Custom builder - design your own rate and term split
  • ●3-way split modelling and multi-bank comparisons
  • ●Tutorial system with guided tooltips for first-time users

November 2025

  • ●Rate comparison matrix - compare rates across all NZ banks side by side
  • ●Refix mode - analyse your existing mortgage and compare refix options
  • ●Low Equity Margin (LEM) warnings when LVR exceeds bank thresholds
  • ●Shareable summary page - generate a link to share your results

October 2025

  • ●Launch - mortgage calculator with live daily rates from ANZ, ASB, BNZ, Westpac, and Kiwibank
  • ●Split loan support with Weighted Average Interest Rate (WAIR)
  • ●Offset account modelling
  • ●Extra payment scenarios with savings projections
  • ●Interactive tooltips explaining financial terms