LoanRates

Your NZ mortgage & loan rate calculator.

Interactive Analysis & Graphs

Calculate Your Mortgage

Quick Select Rates

Select a bank and term to pre-fill the interest rate.
Rates from ratesapi.nz

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Offset Account Savings Calculator

See how an offset account can reduce your interest and save you money.

Your Loan & Offset Account

This calculator uses the Loan Amount, Term, and Frequency from the main calculator above.

Offset accounts typically use floating rates

Amount already saved in offset account

Amount added to offset account each payment period

Refinance Savings Calculator

See how much you could save by switching to a lower rate.

This tool provides estimates for informational purposes only and should not be considered financial advice. Please seek guidance from a certified NZ finance adviser before making any refinancing decisions.

Your Loan Details