For rental property investors
Repayments are only half the picture. Pair this schedule with the rental yield calculator (gross & net) to see income vs purchase price, then track rent and expenses in the NZ Landlord Pack (NZ$39 · prices exclude GST). Illustrative only — not lending or financial advice.
Frequently asked questions
How much will I repay for a $500,000 mortgage in New Zealand?
Total repayments depend on rate, term, and fees. Enter $500,000 above for an illustrative schedule — not a lender quote.
What are the monthly repayments on a $500,000 mortgage?
Use the calculator with your rate and term. Actual offers come from lenders. Not financial advice.
How to pay off a $500,000 mortgage in 5 years?
Shorter terms mean much higher payments. Model a 5-year term above and confirm with your bank. Not advice.
How much deposit do you need for a $700,000 house?
Deposit rules vary by lender and loan type. Check current lender/OCR guidance — this tool does not set deposit policy.
What happens if I pay 4 extra mortgage payments a year?
Extra payments can reduce interest and term if your loan allows. Ask your lender about rules and fees. Illustrative only.
Can a 70 year old get a 20 year mortgage?
Lending criteria vary by bank and serviceability. Speak to lenders — we cannot assess eligibility.