Mortgage repayment calculator

Use our mortgage calculator to estimate repayments, borrowing power, and loan costs based on how you actually earn. Whether you’re employed, self-employed, contracting, or running a business, this tool gives a clear starting point for planning your home loan in New Zealand. It’s a simple way to test scenarios before speaking with a mortgage adviser who can structure the right solution for you.

^{Important Information:
This calculator is a general guide only and is intended to provide illustrative results based on the information you enter.
It does not constitute financial advice, nor does it take into account your personal circumstances, objectives, or lending eligibility.
Actual loan terms, repayments, and interest rates may vary depending on your situation and lender requirements.
We recommend speaking with a Luminate adviser before making any financial decisions.}