Mortgage Calculator – 2026

Calculate your monthly mortgage payments instantly. Enter loan amount, interest rate and term. updated for 2026.

Enter your figures

Fill in the inputs below and use the result as a quick planning guide before making a decision.

Loan Amount (NZ$)

Property Value

Interest Rate (%)

Term (Years)

Repayment Type

Frequently asked

This calculator uses the standard amortisation formula to compute monthly payments based on loan amount, interest rate, and term. The formula accounts for compound interest accrued monthly over the loan period.

Use arrow keys to navigate items, Enter or Space to expand/collapse.

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🏦 Other versions:

General 2025