Mortgage repayment calculator
See what a loan could cost each week, fortnight or month, and how much interest you might pay over the term. The interest rate is an example you can change — use a rate your lender has quoted you.
Property tools
Know your numbers before you make a move
These calculators give South Auckland buyers and sellers a straight starting point — repayments, deposits, the costs around a purchase, and what you might take home from a sale. Fill in your own figures and I will happily talk them through with you.
General estimates only — not financial advice. Lenders, interest rates, KiwiSaver rules, council fees and legal costs all vary, and banks may calculate interest differently. These tools do not take your full circumstances into account. Talk to a mortgage adviser and a lawyer before you commit, and call me on 021 250 1234 if you would like a hand reading the results.
If you are buying
Work out what a loan could cost, how a deposit comes together, and the extra costs that sit alongside the purchase price.
Deposit calculator
Work out a 5%, 10% or 20% deposit on a home you have in mind, and how long your savings, KiwiSaver and weekly putting-aside could take to get you there. A 5% deposit is not available to everyone and depends on the lender and your situation. Only include KiwiSaver you are allowed to use — check your eligibility first.
Upfront costs estimator
Buying is more than the deposit. Below are typical New Zealand costs you can edit. Figures are mid-range examples — Auckland lawyers, inspectors and movers all charge differently, and some items may not apply to you.
Rent or buy — a five-year snapshot
A simple comparison of renting for five years against buying with a mortgage. It will not capture every cost, tax position or market swing, and it does not treat the deposit as money that could have been invested elsewhere. Change the assumed value growth to zero if you want a cautious view.
If you are selling
Get a feel for what might be left after the mortgage and the usual selling costs — then ask me for a proper appraisal if you are ready to talk figures on your home.
Sale proceeds estimator
See what you might walk away with after an outstanding mortgage, example agency fees, GST, marketing and legal costs. The fee figures below are examples only, not a quote and not my fee. Agency fees vary. I will go through a clear estimate with you if we work together.
Estimate my home’s value
These calculators cannot tell you what your property would actually sell for. For a free, no-obligation appraisal in South Auckland, send me the details and I will be in touch.