New Zealand's most comprehensive set of mortgage tools — repayment modelling, borrowing power, first home buyer eligibility, refinance analysis and rate scenario planning. All in one place.
Five integrated tools designed for New Zealand borrowers. Built around CCCFA responsible lending principles and current lender practice.
| Scenario | Rate | Repayment | vs Today |
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Stress testing helps assess affordability if rates rise. CCCFA-compliant lenders typically test at +2% to +3% above current rates.
Under CCCFA, credit card limits are assessed at the full limit (not current balance) as if fully drawn. Monthly repayment equivalent applied.
Net income is approximate after PAYE tax. Your actual tax position may vary. Consult a tax adviser for accurate calculations.
Under Code Standard 4, advisers must disclose the effect of resetting the loan term. Even at a lower rate, a longer term can increase total interest paid significantly.
| Scenario | Fixed term repayment | Total interest (fixed period) | Blended rate | Annual saving vs A |
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Rates shown are for illustration only. Actual rates offered depend on lender, LVR, credit profile and market conditions at time of application. Rate structure advice should always be discussed with a licensed mortgage adviser.
A full Financial Advice Provider licence, independent lender access, and genuine accountability to the client.
A licensed Financial Advice Provider holds the highest class of financial advice authorisation in New Zealand under the Financial Markets Conduct Act 2002. Not all brokers are equal.
We compare across the major New Zealand banks and specialist lenders. Our recommendation is based on your situation — not which lender pays us more.
Every piece of advice we give is underpinned by the CCCFA Responsible Lending Code. We assess affordability properly — including stress testing — before recommending any loan.
We know the KiwiSaver first home withdrawal process, First Home Loan criteria, and regional Kainga Ora requirements inside out. We make the process clear from day one.
Rate chasing without analysing break costs, term extension, and cashback implications is bad advice. We run the full numbers before recommending a change.
Commission rates, conflicts of interest, and the basis of every recommendation are disclosed to you before advice is given — as required under Schedule 21A of the FMCA.
These tools give you a strong starting point. A licensed mortgage adviser takes you the rest of the way — lender selection, application, and settlement.
No obligation. A licensed adviser will review your situation and give you a clear picture of your options.