About Mortgage Repayment Calculator NZ
A free tool for one question: what will my repayments be? Built and run by Crucible, an independent New Zealand company.
How the numbers are checked
The maths follows the Credit Contracts and Consumer Finance Regulations 2004, BNZ’s published interest method, ASB’s and ANZ’s descriptions of how interest is charged, and ANZ’s worked examples. Every rule and rate is in a research file with its source and date.
Before any change goes live, the engine runs every test case and must pass. You can see each test and its result on our how we calculate page.
Independent
We are not a bank, a lender or a broker, and no bank pays us. We show every big bank’s advertised rates in the same table.
Who runs it
Mortgage Repayment Calculator NZ is a product of Crucible, the company behind Calculate.co.nz, New Zealand’s largest free calculator site. For wider money questions, try Calculate.co.nz.
This site gives general information, not financial advice. Your bank’s figures may differ: check with your bank or a mortgage adviser before you decide.
Rates in use
- Floating: 6.31%
- 1 year: 5.06%
- 2 years: 5.35%
- 5 years: 5.93%
- OCR: 2.75%
Rates as at 10 November 2026. Rules checked 10 November 2026.