Use this calculator to work out what your repayments could be, and compare different interest rates and loan terms.


A minimum of 20% equity applies for the interest rates listed. Lending with less than 20% equity will be subject to standard interest rates. Interest rate premiums may apply to First Home Loans and bridging finance. Interest rates are subject to change. Variable home loan, Offset home loan and Revolving home loan rates are not fixed for any term. Default interest may apply in the event of default. For more information see our home loan rates and fees.

This calculator assumes:

  • There's no additional lending
  • You make all your repayments in full and on time
  • The interest rate selected remains the same for the loan term. Realistically, the interest rate is likely to change over the loan term.
  • If the Offset home loan rate is selected, there are no credit balances to offset
  • You don’t make any additional lump sum payments and you pay the minimum required
  • Your repayment amounts are calculated on a 'principal + interest basis' for the loan term.

This calculator is intended to provide general information only and is based on the details you provide. It doesn’t take into account your personal financial situation or goals. Therefore this isn’t financial advice, nor is it a quote or an offer of finance from Kiwibank Limited.

All loans are subject to Kiwibank’s normal lending criteria (including minimum equity requirements). Terms and conditions, and fees may apply.

Start your home buying journey

Whatever stage you're at, we have home loans specialists and tools to help you through the process.

Talk to a specialist

Our home loan specialists can walk you through the process of buying a home and discuss what your options are.

Find a specialist

How to apply

Have a look at how the home loan application process will go and what you'll need before you apply.

Find out more