True Cost of Selling
See exactly what you'll net after agent fees, legal costs and your mortgage payout.
Cost Breakdown
Gross Sale Price—
Agent Commission—
Legal Fees—
Marketing—
Moving Costs—
Staging Costs—
Total Selling Costs—
Mortgage Payout—
Net Proceeds—
Rental Yield Calculator
Calculate gross and net rental yield plus annual income after operating costs.
Gross Yield
—
Annual rent ÷ value
Net Yield
—
After all costs
Annual Net Income
—
Before tax
Deductions
Annual Gross Rent—
Rates—
Insurance—
Maintenance—
Property Management—
Annual Net Income—
Interest Rate Stress Test
See how your repayments change if rates rise — before they do.
Repayment Comparison
Current Rate Repayment—
Stress Test Rate—
Stress Test Repayment—
Extra per period—
Extra per year—
Repayment Frequency Comparison
Compare weekly, fortnightly and monthly repayments — and see how much you save.
Frequency Comparison
| Frequency | Repayment | Total Interest | Total Cost |
|---|---|---|---|
| Weekly | — | — | — |
| Fortnightly | — | — | — |
| Monthly | — | — | — |
Interest saved (weekly vs monthly)—
KiwiSaver First Home Withdrawal Estimator
Estimate how much of your KiwiSaver balance you can use toward your first home.
Withdrawal Estimate
Current Balance—
Minimum Retained ($1,000)$1,000
Estimated Withdrawable Amount—
Enter your balance and years contributing to see your estimate.
Deposit Progress Tracker
Know exactly when you'll hit your deposit target based on your current savings rate.
Progress Summary
Deposit Target—
Current Savings—
Gap to Target—
Estimated months to goal—
Estimated years to goal—
Projected target date—
Borrowing Power Calculator
Get a rough estimate of your maximum borrowing capacity before you talk to a lender.
Max Borrowing
—
Estimated maximum loan
Required Deposit
—
At selected LVR
Max Purchase Price
—
Loan + deposit
Indicative Monthly Repayment—
Indicative Weekly Repayment—
This is a simplified estimate only. Lenders apply their own affordability assessments under CCCFA guidelines, using a higher test rate, specific living cost benchmarks and credit history. Always confirm with a mortgage adviser or lender.
Legal and Due Diligence Cost Estimator
Understand the upfront costs beyond your deposit — before you go unconditional.
Estimated Costs
Lawyer Fees (conveyancing)—
LIM Report—
Builder's Report—
Loan Registration Fee—
Total Estimated Range—
These are indicative estimates only. Actual costs vary by lawyer, region and property complexity. Always get quotes from your own solicitor before proceeding.
Break Fee Estimator
Get a rough sense of what it could cost to break your fixed rate early.
Estimated Break Fee—
⚠️ This is an approximation only. Actual break fees are calculated by your lender using their own wholesale rate data and methodology, and may differ significantly. Always get a break fee quote directly from your bank before making any decisions.
Mortgage Split Calculator
Model the blended rate and repayments for a fixed/floating split structure.
Fixed Portion
—
Floating Portion
—
Blended Rate
—
Combined Repayments
Weekly—
Fortnightly—
Monthly—
Annual Interest Cost—
Refix Comparison Tool
Compare up to three fixed terms and floating — and find the lowest-cost option over two years.
2-Year Interest Cost Comparison
Monthly Repayment Comparison
| Option | Rate | Term | Monthly Repayment | 2yr Interest |
|---|
Overpayment Impact Calculator
See how much time and interest you save by paying a little extra each period.
Time Saved
—
Off your loan term
Interest Saved
—
Total over life of loan
New Payoff Date
—
Original payoff date—
Base repayment (selected frequency)—
New repayment with extra—
Equity Unlock Calculator
Find out how much equity you could access for renovations, investment or other goals.
Current LVR
—
Usable Equity (80%)
—
Usable Equity (70%)
—
Property Value—
Outstanding Mortgage—
Total Equity (value − mortgage)—
80% LVR ceiling—
Accessible equity at 80% LVR—
Usable equity is the amount you could potentially borrow against your property without exceeding a given LVR. Lenders will assess serviceability, credit and other factors before approving any equity release. This figure is an estimate only.