Split your loan across terms, find the cheapest repayment combo, plan extra payments — and see how much you'll save with every NZ bank's live rates.
Powerful tools that help Kiwis make smarter mortgage decisions.
Compare live mortgage rates across every NZ bank — fixed and floating — updated daily from interest.co.nz.
Build a custom split loan strategy across multiple terms and see exactly what you'll pay each fortnight or month.
Get an estimate of what it could cost to break your current fixed rate — using real wholesale swap rates from RBNZ data.
Thinking of switching banks? Compare your current deal against a new offer, including cashback, to see if it's worth it.
Set your target rate and we'll email you when any NZ bank drops to or below it. Never miss a rate cut again.
See historical mortgage rate trends across every NZ bank — visualise where rates have been and where they're heading.
All NZ bank rates at a glance — a clean, real-time scoreboard showing every fixed term side by side.
See your full loan repayment schedule year-by-year, with optional extra repayments to see how much time and interest you'd save.
Track your real mortgage balance against your original plan. See if you're ahead or behind schedule at any point.
See how much interest you could save with an offset account — model different balances and watch the savings add up.
Export your rate comparisons and repayment schedules as clean PDFs — perfect for sharing with your broker or partner.
Compare low equity margin rates for deposits under 20%. See exactly how much extra you'll pay and when you can drop the premium.
Type in your loan amount, deposit, and preferred term. It takes about 10 seconds.
Instantly see repayments across every NZ bank, sorted cheapest first. Live rates, no guesswork.
Use our tools to split your loan, check break fees, and find the best deal — you could save thousands over the life of your loan.
Download free and start comparing rates from every NZ bank today.
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