A clearer mortgage starting point
Understand your mortgage position before you speak with an adviser.
Simple, indicative tools for New Zealand homeowners and buyers — with assumptions explained and no long application.
Indicative only · no lender approval · you choose whether to be contacted
In summary
MyMortgageNZ gives New Zealand homeowners and buyers free, indicative online tools: review your existing mortgage, compare current advertised lender rates, or estimate how much you could borrow. Every result is an estimate based on the figures you enter, not financial advice or a lender approval, and an adviser only contacts you if you ask.
Choose your starting point
What would you like to understand?
Pick the path that best matches where you are today.
Refinance
See how your current mortgage compares and identify the details worth discussing with an adviser.
ExploreMortgage review
Take a quick look at your loan, estimated equity and repayment position without committing to a refinance.
ExploreFirst home
Bring together your deposit, income and regular commitments to see an indicative starting range.
ExplorePre-approval
Organise the key information an adviser is likely to need and see an indicative position before you talk.
ExploreBorrowing power
Answer a few straightforward questions to explore how much you could potentially borrow.
ExploreUseful before the call
Less explaining. More useful conversation.
01
Answer a few basics
02
See an indicative result
03
Choose adviser follow-up
Indicative, not an approval
Your result is a starting point and does not represent a lender decision.
Clear use of your details
We explain consent before any adviser follow-up is requested.
Built for New Zealand
Questions and language are designed around New Zealand mortgage conversations.