Buying guide

Mortgage calculator

How much will your mortgage really cost? Let's crunch the numbers.

FAQs: Mortgage payments, simplified

1. How is my mortgage repayment calculated?

2. What factors affect my monthly mortgage repayments?

3. Can I adjust my mortgage term to lower my payments?

4. What's the difference between fixed and floating rates?

5. How does a larger deposit affect my repayments?

Discover More

Exterior of Gibston Valley property

'Budgets ruin dreams': Gibbston Valley heritage villa gets a lavish makeover

The house is set among the vines with views of the popular Gibbston Valley.

Exterior of queenstown property

Rich-lister’s $10 million Lake House listed after upgrade

Lake House in Queenstown has been listed with an asking price of $10.425 million.

Advice & Tools

PROPERTY NEWS LOOKING TO BUY THINKING ABOUT SELLING HOME INSPIRATION

Search

Other articles you might like

Family looks at a phone

Buying guide | 6 min read

Explained: What is the OCR?

What the OCR is and how does it affect buyers and homeowners?

26 June 2025

Giant percentage sign in forest. OCR announcement NZ.

Buying guide | 3 min read

When is the next OCR announcement in NZ?

Key dates for the official cash rate in 2025 and 2026

27 August 2025

Villa in Aotearoa

Feature article | 5 min read

To float or fix long (or short)?

Which mortgage type is best in the current market

10 April 2025

© 2026 Trade Me Limited