Buying a house in New Zealand
Free calculators and plain guides for buying a house in New Zealand. See what your repayments could be, and what to look for in a LIM report before you sign.
What would your repayments be?
Fortnightly repayment
$1,551.29
Tools
- Mortgage calculatorYour repayments by week, fortnight or month, and the interest you'll pay over the life of the loan.
- How much can I borrow?What a bank might lend you, the house price your deposit could buy and how the repayments compare with your rent.
- Interest-only mortgage calculatorYour repayments while you pay only interest, what they rise to afterwards and the extra interest it costs.
Buying
What to look for before you make an offer, how the different ways of selling a house work, and the help available to first home buyers.
All guides in Buying- What a LIM report tells youA LIM report tells you what the council knows about a property, like building consents and natural hazards. You'll learn what's in the report, what it costs and what to check.
- Code compliance certificate (CCC): what it means when you buy a houseA code compliance certificate (CCC) is the council's sign-off that building work matches its building consent. Here's how to check a house has one, what an open consent is and what to do if a CCC is missing.
- Building inspections before you buyA pre-purchase building inspection checks for problems in a house before you buy. Find out what gets inspected, what could be missed and how to use the report.
- How a deadline sale worksIn a deadline sale, the agent picks a date for offers and usually doesn't set a price. Here's how deadline sales work in New Zealand and how to make an offer on your own timeline.
Mortgage rates
Home loan rates from ANZ, ASB, BNZ, Westpac and Kiwibank, read from each bank's own website, and what each one charges if you have less than 20% equity.
All guides in Mortgage rates- Mortgage rates NZ: compare home loan rates from the main banksCompare fixed and floating home loan rates from ANZ, ASB, BNZ, Westpac and Kiwibank, checked on each bank's own website on 11 November 2026. The lowest 1-year rate is 4.99%.
- ANZ mortgage rates: fixed and floating home loan ratesANZ's home loan rates for all fixed terms and floating, checked on its website on 11 November 2026. The 1-year rate is 4.99%. Compare them with the other main banks.
- ASB mortgage rates: fixed and floating home loan ratesASB's home loan rates for all fixed terms and floating, checked on its website on 11 November 2026. The 1-year rate is 4.99%. Compare them with the other main banks.
- BNZ mortgage rates: fixed and floating home loan ratesBNZ's home loan rates for all fixed terms and floating, checked on its website on 11 November 2026. The 1-year rate is 4.99%. Compare them with the other main banks.
Mortgage brokers
Reviews of the bigger mortgage broker networks, plus house prices, deposits and repayments in the main New Zealand towns and cities, and how to choose a broker wherever you live.
All guides in Mortgage brokers- NZHL review: how NZ Home Loans works, its lenders and feesNZHL (NZ Home Loans) is a mortgage adviser network owned by the same government company as Kiwibank. Here's which lenders NZHL works with, how it gets paid and what fees you might pay.
- Squirrel Mortgages review: how the broker works, fees and lendersSquirrel is a mortgage broker based in Auckland that also offers its own peer-to-peer lending. Here's how Squirrel is paid, what fees you might pay if you leave early and what makes it different.
- Loan Market review: how the adviser network works, fees and lendersLoan Market is a group of local mortgage adviser businesses that work with more than 30 banks and lenders. Here's how the network operates and how its advisers are paid.
- Mike Pero Mortgages review: lenders, fees and how it gets paidMike Pero Mortgages has been arranging home loans since 1990 and works with more than 20 banks and lenders. Here's how it gets paid, what it may charge and who owns the company.