Mortgage Calculator
Loan details
Household budget
One lump figure — rent/other debt, food, bills, insurance, transport etc. Don't include the mortgage repayment itself.
Tax uses 2025/26 NZ brackets, split evenly across 2 income earners, plus the 1.75% ACC earner levy and your chosen KiwiSaver rate — both employee-side deductions only (no employer contributions, no other income or deductions modelled). Your surplus is applied as an extra payment so you can see the impact below.
Standard repayment
Repayment
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Total interest
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Your potential savings
Interest saved
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Term reduced by
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Loan balance over time
Standard schedule
With offset + extra payments
Principal vs interest — total paid
Principal
Interest
GET IN TOUCH
Understanding how you can clear the biggest expense you will likely have in your lifetime, your interest on your mortgage, is key to feeling you have control over your finances. Book a time with a home loan expert to find out how you can clear you debt faster, and with more swagger in your step.
Understanding your borrowing capacity is one part, but knowing:
. How to save interest
. Align debt with your goals
. Have a clear plan
Talk to the team at Financial Solutionz to find the right mortgage plan for you.
Clearing your mortgage isn’t just about the financial impact, its about giving yourself back time in retirement.
From Our Clients“Financial Solutions helped my wife and I secure our first home together, when it seemed like we were going to come up short whenever we tried to talk to the banks ourselves. They worked vigorously in the background, fighting in our corner and helped us achieve our goal of owning our own home! Many of the parts that seemed daunting or confusing to us, were no sweat to them at all. And even after being in the home for a few years, they still check in on the mortgage health and any thing thats needed such as re-fixing.”
Bevan & Sarah
