{"title":"NZ Mortgage Break Fee Calculator — Early Repayment Estimate","description":"\u003c!-- NZ Mortgage Break Fee \/ Early Repayment Estimate Calculator · paste into Shopify collection description (HTML mode) --\u003e\n\u003c!-- Suggested collection handle: nz-mortgage-break-fee-calculator --\u003e\n\u003c!-- Suggested SEO title: NZ Mortgage Break Fee Calculator — Early Repayment Estimate | Kiwi Crate --\u003e\n\u003c!-- Suggested meta: Free NZ mortgage break-fee estimator. Simple early-repayment estimate from loan balance, remaining term and rate. Not a bank-specific legal calculation — not financial advice. --\u003e\n\u003cdiv class=\"kiwi-calc-embed\" id=\"kc-mbf\"\u003e\n\u003cstyle\u003e\n.kiwi-calc-embed{color:#0f172a;line-height:1.5;max-width:760px;margin:0 auto;text-align:left}\n.kiwi-calc-embed *{box-sizing:border-box}\n.kiwi-calc-embed .sub{color:#475569;margin:0 0 18px;font-size:1rem}\n.kiwi-calc-embed .card{background:#fff;border:1px solid #e2e8f0;border-radius:16px;padding:20px;box-shadow:0 1px 2px rgba(15,23,42,.04)}\n.kiwi-calc-embed .grid{display:grid;gap:14px;grid-template-columns:1fr 1fr}\n.kiwi-calc-embed .full{grid-column:1\/-1}\n.kiwi-calc-embed label{display:block;font-size:.85rem;font-weight:600;margin-bottom:6px}\n.kiwi-calc-embed input,.kiwi-calc-embed select{width:100%;padding:10px 12px;border:1px solid #e2e8f0;border-radius:10px;font-size:1rem;font-family:inherit;background:#fff}\n.kiwi-calc-embed .hint{font-size:.8rem;color:#475569;margin:4px 0 0}\n.kiwi-calc-embed .results{margin-top:18px;display:grid;gap:10px;grid-template-columns:1fr 1fr}\n.kiwi-calc-embed .stat{background:#f0fdfa;border:1px solid #99f6e4;border-radius:12px;padding:12px}\n.kiwi-calc-embed .stat b{display:block;font-size:.75rem;color:#115e59;text-transform:uppercase;letter-spacing:.04em}\n.kiwi-calc-embed .stat span{font-size:1.25rem;font-weight:700}\n.kiwi-calc-embed .stat.neg span{color:#b91c1c}\n.kiwi-calc-embed .verdict{margin-top:14px;padding:12px 14px;border-radius:12px;background:#f8fafc;border:1px solid #e2e8f0;font-size:.95rem}\n.kiwi-calc-embed .note{font-size:.8rem;color:#475569;margin-top:12px}\n.kiwi-calc-embed .cta{margin-top:24px;padding:18px;border-radius:14px;background:#0f172a;color:#fff}\n.kiwi-calc-embed .cta a{color:#5eead4}\n.kiwi-calc-embed .cta .btn{display:inline-block;margin:10px 10px 0 0;background:#0d9488;color:#fff!important;text-decoration:none;font-weight:700;padding:11px 18px;border-radius:999px}\n.kiwi-calc-embed .cta .btn.alt{background:#334155}\n.kiwi-calc-embed h2{font-size:1.25rem;margin:32px 0 10px;letter-spacing:-.01em}\n.kiwi-calc-embed h3{font-size:1.02rem;margin:18px 0 4px}\n.kiwi-calc-embed p{margin:0 0 10px}\n.kiwi-calc-embed .formula{font-family:ui-monospace,SFMono-Regular,Menlo,monospace;background:#f1f5f9;padding:2px 6px;border-radius:6px;font-size:.92em}\n.kiwi-calc-embed table.assump{width:100%;border-collapse:collapse;font-size:.9rem}\n.kiwi-calc-embed table.assump td{padding:6px 8px;border-bottom:1px solid #e2e8f0;vertical-align:top}\n.kiwi-calc-embed table.assump td:first-child{font-weight:600;width:42%}\n.kiwi-calc-embed .related ul{margin:0;padding-left:1.2rem;line-height:1.8}\n.kiwi-calc-embed .kiwi-adsense{margin:18px 0}\n.kiwi-calc-embed .small{font-size:.8rem;color:#64748b}\n.kiwi-calc-embed .warn{margin-top:12px;padding:12px 14px;border-radius:12px;background:#fff7ed;border:1px solid #fed7aa;font-size:.9rem;color:#9a3412}\n@media (max-width:560px){.kiwi-calc-embed .grid,.kiwi-calc-embed .results{grid-template-columns:1fr}}\n\u003c\/style\u003e\n\u003ch2 style=\"font-size:1.5rem;margin:0 0 8px;letter-spacing:-.02em\"\u003eNZ Mortgage Break Fee Calculator — Early Repayment Estimate\u003c\/h2\u003e\n\u003cp class=\"sub\"\u003eGet a \u003cstrong\u003eballpark early-repayment \/ break-fee estimate\u003c\/strong\u003e before you call your bank. Enter loan balance, remaining fixed term, your fixed rate, and (for the interest-differential method) a comparison rate. This is a \u003cstrong\u003esimple estimate only\u003c\/strong\u003e — not your bank’s contractual calculation and not legal or financial advice.\u003c\/p\u003e\n\u003c!-- kiwi-adsense-unit --\u003e\u003caside class=\"kiwi-adsense\" aria-label=\"Advertisement\"\u003e\u003cins class=\"adsbygoogle\" style=\"display:block\" data-ad-client=\"ca-pub-9781689220471996\" data-ad-format=\"auto\" data-full-width-responsive=\"true\"\u003e\u003c\/ins\u003e\u003cscript\u003e(adsbygoogle = window.adsbygoogle || []).push({});\u003c\/script\u003e\u003c\/aside\u003e\u003c!-- \/kiwi-adsense-unit --\u003e\n\u003cdiv class=\"card\"\u003e\n  \u003cdiv class=\"grid\"\u003e\n    \u003cdiv\u003e\n      \u003clabel for=\"kc-mbf-balance\"\u003eLoan balance (NZ$)\u003c\/label\u003e\n      \u003cinput id=\"kc-mbf-balance\" type=\"number\" min=\"0\" step=\"1000\" value=\"450000\" inputmode=\"decimal\"\u003e\n    \u003c\/div\u003e\n    \u003cdiv\u003e\n      \u003clabel for=\"kc-mbf-months\"\u003eRemaining fixed term (months)\u003c\/label\u003e\n      \u003cinput id=\"kc-mbf-months\" type=\"number\" min=\"0\" max=\"120\" step=\"1\" value=\"18\" inputmode=\"decimal\"\u003e\n      \u003cp class=\"hint\"\u003eMonths left on your current fixed rate period.\u003c\/p\u003e\n    \u003c\/div\u003e\n    \u003cdiv\u003e\n      \u003clabel for=\"kc-mbf-rate\"\u003eYour fixed rate (% p.a.)\u003c\/label\u003e\n      \u003cinput id=\"kc-mbf-rate\" type=\"number\" min=\"0\" step=\"0.05\" value=\"5.99\" inputmode=\"decimal\"\u003e\n    \u003c\/div\u003e\n    \u003cdiv\u003e\n      \u003clabel for=\"kc-mbf-compare\"\u003eComparison \/ reinvestment rate (% p.a.)\u003c\/label\u003e\n      \u003cinput id=\"kc-mbf-compare\" type=\"number\" min=\"0\" step=\"0.05\" value=\"4.79\" inputmode=\"decimal\"\u003e\n      \u003cp class=\"hint\"\u003eOften today’s similar-term fixed rate. Used only for the differential method.\u003c\/p\u003e\n    \u003c\/div\u003e\n    \u003cdiv class=\"full\"\u003e\n      \u003clabel for=\"kc-mbf-method\"\u003eBank fee method (estimate)\u003c\/label\u003e\n      \u003cselect id=\"kc-mbf-method\"\u003e\n        \u003coption value=\"months_interest\" selected\u003eSimple — N months of interest (e.g. 3 months)\u003c\/option\u003e\n        \u003coption value=\"ird_simple\"\u003eSimple interest differential (balance × rate gap × years left)\u003c\/option\u003e\n        \u003coption value=\"admin_plus\"\u003eAdmin fee + 1 month interest\u003c\/option\u003e\n      \u003c\/select\u003e\n    \u003c\/div\u003e\n    \u003cdiv id=\"kc-mbf-nmonths-wrap\"\u003e\n      \u003clabel for=\"kc-mbf-nmonths\"\u003eMonths of interest to charge\u003c\/label\u003e\n      \u003cinput id=\"kc-mbf-nmonths\" type=\"number\" min=\"1\" max=\"12\" step=\"1\" value=\"3\" inputmode=\"decimal\"\u003e\n    \u003c\/div\u003e\n    \u003cdiv id=\"kc-mbf-admin-wrap\" style=\"display:none\"\u003e\n      \u003clabel for=\"kc-mbf-admin\"\u003eAdmin \/ discharge fee (NZ$)\u003c\/label\u003e\n      \u003cinput id=\"kc-mbf-admin\" type=\"number\" min=\"0\" step=\"10\" value=\"150\" inputmode=\"decimal\"\u003e\n    \u003c\/div\u003e\n  \u003c\/div\u003e\n  \u003cdiv class=\"results\"\u003e\n    \u003cdiv class=\"stat\"\u003e\n\u003cb\u003eEstimated break \/ early-repay fee\u003c\/b\u003e\u003cspan id=\"kc-mbf-fee\"\u003e—\u003c\/span\u003e\n\u003c\/div\u003e\n    \u003cdiv class=\"stat\"\u003e\n\u003cb\u003eApprox. interest per month\u003c\/b\u003e\u003cspan id=\"kc-mbf-permonth\"\u003e—\u003c\/span\u003e\n\u003c\/div\u003e\n    \u003cdiv class=\"stat\"\u003e\n\u003cb\u003eRate gap (your rate − compare)\u003c\/b\u003e\u003cspan id=\"kc-mbf-gap\"\u003e—\u003c\/span\u003e\n\u003c\/div\u003e\n    \u003cdiv class=\"stat\"\u003e\n\u003cb\u003eRemaining fixed term\u003c\/b\u003e\u003cspan id=\"kc-mbf-termlabel\"\u003e—\u003c\/span\u003e\n\u003c\/div\u003e\n  \u003c\/div\u003e\n  \u003cdiv class=\"verdict\" id=\"kc-mbf-verdict\"\u003e\u003c\/div\u003e\n  \u003cdiv class=\"warn\"\u003e\n\u003cstrong\u003eClearly labelled estimate — not a bank-specific legal calculation.\u003c\/strong\u003e NZ banks use different break-cost formulas (interest rate differential with present-value of remaining cashflows, average daily balance methods, capped fees, waived fees in hardship, etc.). Always request a formal quote from your lender before breaking a fixed loan.\u003c\/div\u003e\n  \u003cp class=\"note\"\u003eGeneral information only — \u003cstrong\u003enot financial, tax or legal advice\u003c\/strong\u003e. Early repayment may also affect offsets, revolving facilities and loan covenants. Confirm with your bank or mortgage adviser.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cscript\u003e(function(){\n  var R=document.getElementById('kc-mbf');\n  var $=function(id){return R.querySelector('#kc-mbf-'+id);};\n  var fmt=function(n){return (isFinite(n)?n:0).toLocaleString('en-NZ',{style:'currency',currency:'NZD',maximumFractionDigits:0});};\n  var pct=function(n){return isFinite(n)?n.toFixed(2)+'%':'—';};\n  function syncUI(){\n    var m=$('method').value;\n    $('nmonths-wrap').style.display=(m==='months_interest')?'block':'none';\n    $('admin-wrap').style.display=(m==='admin_plus')?'block':'none';\n  }\n  function calc(){\n    syncUI();\n    var bal=Math.max(0,+$('balance').value||0);\n    var months=Math.max(0,+$('months').value||0);\n    var rate=Math.max(0,+$('rate').value||0)\/100;\n    var compare=Math.max(0,+$('compare').value||0)\/100;\n    var method=$('method').value;\n    var perMonth=bal*rate\/12;\n    var gap=(rate-compare)*100;\n    var fee=0, methodLabel='';\n    if(method==='months_interest'){\n      var n=Math.max(1,+$('nmonths').value||3);\n      fee=perMonth*n;\n      methodLabel=n+' month(s) of interest on the balance';\n    } else if(method==='ird_simple'){\n      var years=months\/12;\n      var diff=Math.max(0, rate-compare);\n      fee=bal*diff*years;\n      methodLabel='simple interest differential (balance × max(your rate − compare, 0) × years left)';\n      if(rate\u003c=compare) fee=0;\n    } else {\n      var admin=Math.max(0,+$('admin').value||0);\n      fee=admin+perMonth;\n      methodLabel='admin fee + 1 month of interest';\n    }\n    $('fee').textContent=fmt(fee);\n    $('permonth').textContent=fmt(perMonth);\n    $('gap').textContent=pct(gap);\n    $('termlabel').textContent=months+' months';\n    var v='Using \u003cstrong\u003e'+methodLabel+'\u003c\/strong\u003e, the ballpark early-repayment cost is about \u003cstrong\u003e'+fmt(fee)+'\u003c\/strong\u003e.';\n    if(method==='ird_simple' \u0026\u0026 rate\u003c=compare){\n      v+=' Your fixed rate is at or below the comparison rate, so this simple differential estimate is \u003cstrong\u003e$0\u003c\/strong\u003e — your bank may still charge admin or use a different formula.';\n    } else {\n      v+=' Compare this to any cash savings from a lower rate or sale proceeds, then get a formal bank quote.';\n    }\n    $('verdict').innerHTML=v;\n  }\n  R.querySelectorAll('input,select').forEach(function(el){\n    el.addEventListener('input', calc);\n    el.addEventListener('change', calc);\n  });\n  calc();\n})();\u003c\/script\u003e\n\u003cdiv class=\"cta\"\u003e\n  \u003cstrong\u003eBreaking a rental mortgage or refinancing a portfolio?\u003c\/strong\u003e\u003cbr\u003e\n  Keep rates, Healthy Homes and rent tracking tidy while you decide.\n  \u003cdiv\u003e\n    \u003ca class=\"btn\" href=\"https:\/\/thekiwicrate.co.nz\/products\/nz-landlord-compliance-kit\"\u003eNZ Landlord Compliance Kit — NZ$99\u003c\/a\u003e\n    \u003ca class=\"btn alt\" href=\"https:\/\/thekiwicrate.co.nz\/products\/nz-landlord-pack-rental-property-tracker-healthy-homes-checklist-excel-google-sheets-digital-download\"\u003eNZ Landlord Pack — NZ$39\u003c\/a\u003e\n  \u003c\/div\u003e\n  \u003cp class=\"small\" style=\"color:#94a3b8;margin:10px 0 0\"\u003ePrices exclude GST. Illustrative tools only — not legal, tax or financial advice.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003ch2\u003eWhat a mortgage break fee is (NZ)\u003c\/h2\u003e\n\u003cp\u003eWhen you repay or refinance a \u003cstrong\u003efixed-rate\u003c\/strong\u003e home loan early, many NZ lenders charge a break cost so they are not left worse off on the money they funded at your fixed rate. Floating loans usually have no interest break cost (admin fees may still apply).\u003c\/p\u003e\n\u003cp\u003eThis calculator offers three \u003cem\u003esimplified\u003c\/em\u003e estimate methods only. Real bank formulas often discount remaining interest differences, use wholesale rates, and apply minimums or waivers — which is why your quote can differ a lot from this page.\u003c\/p\u003e\n\u003ch2\u003eAssumptions and sources\u003c\/h2\u003e\n\u003ctable class=\"assump\"\u003e\n\u003ctr\u003e\n\u003ctd\u003eMonths of interest\u003c\/td\u003e\n\u003ctd\u003eFee ≈ loan balance × fixed rate ÷ 12 × N months. Some older product disclosures used a months-of-interest style; treat as a coarse upper\/lower bound only.\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eSimple interest differential\u003c\/td\u003e\n\u003ctd\u003eFee ≈ balance × max(your rate − comparison rate, 0) × remaining years. Ignores present-value discounting and amortising principal — banks usually do both.\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAdmin + 1 month\u003c\/td\u003e\n\u003ctd\u003eIllustrative “light touch” scenario only.\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNot bank-specific\u003c\/td\u003e\n\u003ctd\u003eDoes not implement ANZ, ASB, BNZ, Westpac, Kiwibank or cooperative society contract maths.\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/table\u003e\n\u003cp class=\"small\"\u003eLast reviewed 9 September 2026. Always get a formal early-repayment quote from your lender.\u003c\/p\u003e\n\u003c!-- kiwi-adsense-unit --\u003e\u003caside class=\"kiwi-adsense\" aria-label=\"Advertisement\"\u003e\u003cins class=\"adsbygoogle\" style=\"display:block\" data-ad-client=\"ca-pub-9781689220471996\" data-ad-format=\"auto\" data-full-width-responsive=\"true\"\u003e\u003c\/ins\u003e\u003cscript\u003e(adsbygoogle = window.adsbygoogle || []).push({});\u003c\/script\u003e\u003c\/aside\u003e\u003c!-- \/kiwi-adsense-unit --\u003e\n\u003ch2\u003eFrequently asked questions\u003c\/h2\u003e\n\u003ch3\u003eHow is a mortgage break fee calculated in NZ?\u003c\/h3\u003e\n\u003cp\u003eEach lender publishes its own method in the loan contract \/ home loan terms. Common approaches involve an interest rate differential over the remaining fixed period, sometimes discounted to present value, plus any admin fees. This page’s methods are simplified estimates for planning conversations — not your contractual fee.\u003c\/p\u003e\n\u003ch3\u003eCan I avoid a break fee?\u003c\/h3\u003e\n\u003cp\u003eSometimes: wait until the fixed term ends, negotiate a switch with the same bank, use permitted extra repayments within annual limits, or ask about hardship \/ sale of the security. Policies differ — ask your bank or adviser.\u003c\/p\u003e\n\u003ch3\u003eIs this the same as an early repayment charge?\u003c\/h3\u003e\n\u003cp\u003eIn everyday NZ language, “break fee”, “break cost” and “early repayment fee” are often used interchangeably for fixed-loan exit costs. Floating facilities may still have discharge \/ discharge-admin fees without an interest differential.\u003c\/p\u003e\n\u003ch3\u003eShould I break my fixed rate to refinance?\u003c\/h3\u003e\n\u003cp\u003eOnly if the all-in saving (lower rate, fees, cashflow) beats the break cost and switching costs over your intended hold period. Run this estimate, then get bank quotes and adviser input. This tool is not a recommendation.\u003c\/p\u003e\n\u003cscript type=\"application\/ld+json\"\u003e{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"How is a mortgage break fee calculated in NZ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Each lender publishes its own method in the loan contract. Common approaches involve an interest rate differential over the remaining fixed period, sometimes discounted to present value, plus admin fees. This page uses simplified estimates only — not your contractual fee.\"}},{\"@type\":\"Question\",\"name\":\"Can I avoid a break fee?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Sometimes: wait until the fixed term ends, negotiate a switch with the same bank, use permitted extra repayments within annual limits, or ask about hardship or sale of the security. Policies differ — ask your bank or adviser.\"}},{\"@type\":\"Question\",\"name\":\"Is this the same as an early repayment charge?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"In everyday NZ language, break fee, break cost and early repayment fee are often used interchangeably for fixed-loan exit costs. Floating facilities may still have discharge admin fees without an interest differential.\"}},{\"@type\":\"Question\",\"name\":\"Should I break my fixed rate to refinance?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Only if the all-in saving beats the break cost and switching costs over your intended hold period. Run an estimate, then get bank quotes and adviser input. This tool is not a recommendation.\"}}]}\u003c\/script\u003e\n\u003cnav class=\"related\" aria-label=\"Related NZ calculators\"\u003e\u003ch2\u003eRelated NZ calculators\u003c\/h2\u003e\n\u003cul\u003e\n\u003cli\u003e\u003ca href=\"\/collections\/nz-mortgage-repayment-calculator\"\u003eMortgage repayment calculator NZ\u003c\/a\u003e\u003c\/li\u003e\n\u003cli\u003e\u003ca href=\"\/collections\/borrowing-power-lvr-calculator-nz\"\u003eBorrowing power \u0026amp; LVR calculator NZ\u003c\/a\u003e\u003c\/li\u003e\n\u003cli\u003e\u003ca href=\"\/collections\/investment-property-calculator-nz\"\u003eInvestment property calculator NZ\u003c\/a\u003e\u003c\/li\u003e\n\u003cli\u003e\u003ca href=\"\/collections\/nz-calculators\"\u003eAll NZ calculators\u003c\/a\u003e\u003c\/li\u003e\n\u003c\/ul\u003e\u003c\/nav\u003e\n\u003c\/div\u003e","products":[{"product_id":"nz-landlord-pack-rental-property-tracker-healthy-homes-checklist-excel-google-sheets-digital-download","title":"NZ Landlord Pack — Rental Property Tracker + Healthy Homes Checklist","description":"\u003cp\u003e\u003cstrong\u003eEvery record your accountant asks for in April — kept in one place all year.\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eInstant download, no shipping.\u003c\/strong\u003e Your secure download link is emailed within minutes of checkout. Check the inbox you used at checkout, including spam and promotions. Files open in Excel or Google Sheets, on any device.\u003c\/p\u003e\n\u003ch3\u003eWhat's included\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eMulti-property tracker\u003c\/strong\u003e — up to 10 properties, with rent income and expense logs\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eIRD-aligned expense categories\u003c\/strong\u003e — rates, insurance, interest, repairs \u0026amp; maintenance, management fees and more, auto-totalled per category for your IR3R\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eAuto-calculating summary\u003c\/strong\u003e — per-property income, expenses and net result, updated live\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eHealthy Homes Standards checklist\u003c\/strong\u003e — heating, insulation, ventilation, moisture and draught-stopping, with an evidence column per property\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eInspection log and tenancy \u0026amp; bond register\u003c\/strong\u003e — your paper trail for bond lodgements, rent reviews, smoke alarm checks and insurance expiry\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003eBuilt for New Zealand rules rather than adapted from a US template. Buy once, use every year.\u003c\/p\u003e\n\u003ch3\u003eBond and tenancy paperwork\u003c\/h3\u003e\n\u003cp\u003eThe bond register records the amount held, the date received and the date lodged with Tenancy Services — bond must generally be lodged within 23 working days of receiving it. Come move-out, a refund deduction needs evidence and either the tenant's agreement or a Tenancy Tribunal order, so the dated condition and inspection entries are the part that matters.\u003c\/p\u003e\n\u003cp\u003eUse the free official residential tenancy agreement form from \u003ca href=\"https:\/\/www.tenancy.govt.nz\/\"\u003eTenancy Services\u003c\/a\u003e — we don't sell a substitute for it. The Pack tracks what you issued and when. Background reading: \u003ca href=\"\/blogs\/blog\/nz-landlord-responsibilities-obligations-checklist\"\u003eNZ landlord responsibilities checklist\u003c\/a\u003e and \u003ca href=\"\/blogs\/blog\/healthy-homes-compliance-statement-nz\"\u003ewhat a Healthy Homes compliance statement must contain\u003c\/a\u003e.\u003c\/p\u003e\n\u003ch3\u003eNeed the full compliance set?\u003c\/h3\u003e\n\u003cp\u003eThe Pack is the record-keeping core. The \u003ca href=\"\/products\/nz-landlord-compliance-kit\"\u003e\u003cstrong\u003eNZ Landlord Compliance Kit — NZ$99\u003c\/strong\u003e\u003c\/a\u003e builds on it with a quick-start PDF showing how to fill each sheet in under 30 minutes, plus the full tenancy, bond and inspection documentation set for landlords who want a file that stands up to an insurer, a property manager or the Tenancy Tribunal.\u003c\/p\u003e\n\u003cp\u003eStart with the Pack if you mainly need the numbers straight for your accountant. Choose the Kit if compliance evidence is the part that keeps you up at night.\u003c\/p\u003e\n\u003ch3\u003eBuying with confidence\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eSecure checkout; download link emailed within minutes\u003c\/li\u003e\n\u003cli\u003e7-day refund if the files won't open\u003c\/li\u003e\n\u003cli\u003ePrice excludes GST — GST is calculated at checkout\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003e\u003cem\u003eA record-keeping tool, not legal or tax advice. Confirm current-year rules with Tenancy Services, MBIE Healthy Homes guidance and your accountant or ird.govt.nz.\u003c\/em\u003e\u003c\/p\u003e\n\u003chr\u003e\n\u003cdetails\u003e\n\u003csummary\u003e\u003cstrong\u003eFree tools that pair with the Pack\u003c\/strong\u003e\u003c\/summary\u003e\n\u003cp\u003eIllustrative calculators, free to use — not advice.\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003e\u003ca href=\"\/collections\/nz-rental-yield-calculator\"\u003eRental yield calculator (gross \u0026amp; net)\u003c\/a\u003e\u003c\/li\u003e\n\u003cli\u003e\u003ca href=\"\/collections\/healthy-homes-standards-landlord-checklist-nz\"\u003eHealthy Homes Standards checklist\u003c\/a\u003e\u003c\/li\u003e\n\u003cli\u003e\u003ca href=\"\/collections\/rental-yield-calculator-nz\"\u003eWhat is a good rental yield in NZ?\u003c\/a\u003e\u003c\/li\u003e\n\u003cli\u003e\u003ca href=\"\/collections\/nz-mortgage-repayment-calculator\"\u003eMortgage repayment calculator\u003c\/a\u003e\u003c\/li\u003e\n\u003cli\u003e\n\u003ca href=\"\/collections\/nz-compound-growth-calculator\"\u003eInvestment \u0026amp; savings calculator\u003c\/a\u003e · \u003ca href=\"\/collections\/compound-interest-calculator-nz-guide\"\u003ehow compound interest works\u003c\/a\u003e\n\u003c\/li\u003e\n\u003cli\u003e\u003ca href=\"\/collections\/nz-gst-inclusive-exclusive-calculator\"\u003eGST calculator (add or remove 15%)\u003c\/a\u003e\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/details\u003e","brand":"The Kiwi Crate","offers":[{"title":"Default Title","offer_id":48865538113719,"sku":"KC-DIG-LLP-01","price":39.0,"currency_code":"NZD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0705\/3308\/7415\/files\/hero.png?v=1788661213"}],"url":"https:\/\/thekiwicrate.co.nz\/collections\/nz-mortgage-break-fee-calculator.oembed","provider":"The Kiwi Crate","version":"1.0","type":"link"}