• Personal Loans
  • Insurance
  • Guides & Insights
APPLY NOW
APPLY NOW
Personal Loans
  • Personal Loans
  • Debt Consolidation Loans
  • Vehicle Finance
Home Loans

Home LoansGuides & Calculators

Home Loan Calculators

Pick a calculator

Repayment Calculator

See what your mortgage repayments might be.
Cost of home
$900000|
Deposit
$180000|
INTEREST RATE
REPAYMENTS
LOAN TERM

Estimated repayment amount

$0.00
REPAYMENT SCHEDULE
TOTAL INTEREST YOU'LL PAY

$0.00

Apply for a home loan

Results in this calculator are based on the limited financial information provided by you and is to be used as a guide only. It is not an offer of finance, or a quote, or indication of pre-qualification for any loan product. The calculation uses the interest rate you entered and is based on amortised scheduled repayments with a fixed interest rate for the term of the loan.

All approvals are subject credit criteria and responsible lending requirements. The loan amount and interest rate offered will depend on your personal circumstances, the type of lending required, and the security (if any) provided. Fees, terms, and conditions apply.

Still need a bit of help?

Still getting your head around things? Our FAQs explore the financial issues questioned by Kiwis most.

Read the FAQs

Let's Go

It will take about 3 minutes to complete your personal loan application, and it will not affect your credit score.

Apply now
  • Guides & Insights
  • Rates Comparison
  • Home Loan Calculator
  • Personal Loan Calculator

Excellent

2307 reviews on

¹Fees: We do not charge a fee to use our service (commonly referred to as a platform fee, broker fee, or referral fee) if you do not enter into a personal loan arranged by us. A fee to use our services is applicable in all other cases. See our Terms & Conditions for the applicable fees.

²Annual Interest Rate (AIR): The AIR offered by our Personal Loan providers ranges from 8.95% p.a. to a maximum of 28.95% p.a.

³Annual Percentage Rate (APR): Also known as the 'comparison rate', the APR is calculated by adding together the AIR plus any additional fees that may apply (like establishment fees charged by providers). New Zealand law does not require APR disclosure, but doing so can better highlight borrowing costs. The APR offered by our Personal Loan providers ranges from 9.80% p.a. to a maximum of 29.91% p.a. The APR is accurate only for the representative example given below and may not include all fees like early repayment fees (if any). Different terms, fees or other loan amounts might result in a different APR.

⁴Minimum and Maximum Repayment Terms: Repayment terms offered by our Personal Loan providers range from 12 months to a maximum of 84 months.

Representative Example of the Total Cost of a Loan: If you borrow $20,000 over a repayment term of 36 months at an AIR of 8.95% p.a., your total repayments will be $22,493 (made up of $20,000 principal, interest charges of $2,243, and an establishment fee of $250). This example assumes monthly repayments and does not include premiums for any optional insurances, fees for using our services (if any) or default fees.

⁵Terms and Conditions: Our services are provided in accordance with our Application Terms & Conditions. All approvals are subject to provider credit criteria and responsible lending requirements. The loan amount and interest rate offered will depend on your circumstances, the type of lending required, and the security (if any) provided will reflect the loan amount and interest rate offered by the provider. Provider establishment fees, terms, and conditions apply.

© The Lending People Limited Trading as Lending People (FSP240365) holds a license issued by the Financial Markets Authority (FMA) to provide financial advice services. Click here to view our Disclosure Statement.