Calculators
Plain-English estimates to help you prepare questions for a licensed mortgage adviser. Online Home Loans is a referral service. Calculator outputs are estimates only, not advice or quotes.
Seven quick questions on fixed-rate timing, equity, credit, job changes, break costs, owner-occupied vs investment, and your goal. Traffic-light style result with plain-English next checks. Not approval or advice.
Open calculator →Compare equivalent weekly, fortnightly, and monthly home loan payments (NZ-style monthly × 12 ÷ 26 / ÷ 52), plus a rough interest and time sketch if you pay more often. Includes an accelerated fortnightly/weekly callout.
Open calculator →Compare today's home loan P&I plus other debt minimums with one repayment if credit cards or personal loans were rolled into the mortgage. Rough monthly and total interest sketch, with term-trap caveats.
Open calculator →Estimate equity and cash-out room from property value, current loan, and an LVR cap (default 80%). Optional rough repayment impact if you borrow more. Handy before a top-up or cash-out refinance chat.
Open calculator →Compare simple interest on your current fixed rate with a new rate quote, after break fee and switching costs. Handy when you still have months left on a fix.
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