Downloadable NZ mortgage & property calculators
The spreadsheets our advisers actually use.
Eleven working Excel calculators, built for client meetings, emailed to you as one pack. Type in your numbers and see what your mortgage could look like arranged differently.
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Eleven questions. Eleven sheets.
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Homeowners
Usable Equity
How much of your home's value will a bank actually let you borrow against?
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Homeowners
Offset or Revolving Credit
Which structure clears your loan sooner on your real balances?
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Homeowners
Mortgage Free Faster
What do extra repayments, lump sums or a shorter term do to your mortgage-free date?
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Homeowners
Refix Planner
Your bank has emailed a rate. Refix, split or restructure: what does each save?
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Homeowners
Debt Consolidation
Rolling short debts into the mortgage: the weekly relief now versus the interest over the term.
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Investors
Pay Down or Invest
Spare cash each month: extra repayments or investing? Our most requested sheet.
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Investors
Investor Cashflow
What a rental really costs to hold each week once rates, insurance and management join the mortgage.
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Investors
Equity to Your First Rental
How much equity you need to release for a first rental, and how much the bank may allow.
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Investors
Portfolio: Hold or Sell
Each property side by side on cashflow and growth, so you can see which is pulling its weight.
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Investors
Minor Dwelling
Build cost, rent and return on adding a minor dwelling, before you commit.
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First home
First Home & Mortgage Cheatsheet
Deposit targets, KiwiSaver withdrawal, what banks test you at, and the costs nobody mentions until settlement.
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All 11. One email.
Every sheet above arrives together. Open in Excel or Google Sheets; the green cells are yours.
Want the thinking behind the sheets? The guides cover the why: the home owner guide on equity and mortgage structure, the property investor guide on deposits, cashflow and portfolio strategy, and the first home buyers guide on deposits and how much you can borrow.
How much equity can you actually use?
You'll usually need to leave 20% equity in your home, but you can often borrow against the rest — that's your usable equity. Type your numbers in for the first sum. The Usable Equity sheet in the Stack goes further: an investment property needs 30% left in, and the sheet handles whether your next place will be lived in or rented.
See a sheet used the way an adviser uses it
Four short walkthroughs. Each one opens a sheet from the Stack and works a real scenario through it.
Property Investment Calculator Walkthrough
Video 1 of 4A spreadsheet shows you the numbers. An adviser turns them into a plan.
No cost, no obligation. Lenders pay us when a loan settles. Book the review that fits, or start with fifteen minutes.
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Prefer to calculate in your browser? Our online calculators run on this week's New Zealand lending numbers — bank test rates, DTI and LVR limits, living costs — reviewed every Monday.