Mortgage Advice: Calculations, Forecasts, and Strategy
An online mortgage calculator gives you a number. It can't give you a strategy.
It can't understand your specific goals, model different financial scenarios, or help you workshop the best path forward. This service is for when you need clear answers and expert calculations before you commit to a decision.
Get a strategic advantage. Whether you're a first-time buyer or a seasoned investor with a complex question, our advice process provides clarity.
Our 5-Step Mortgage Advice Process
We've designed this process to move you from "what if?" to "what's next?" with confidence.
Step 1: Q&A Session It all starts with a conversation. We start by answering your most pressing questions in a no-jargon way. There's no such thing as a "dumb question."
Step 2: Scenario Modelling This is where our advisers become your personal "financial forecaster." We run calculations and model different scenarios for your financial future (e.g., "What if I pay an extra $100 per week?" "What if I use an offset account?").
Step 3: Strategy Workshop We workshop different mortgage structures and options with you. We'll compare fixed vs. floating, interest-only vs. principal & interest, and different repayment options side-by-side.
Step 4: Blueprint Summary We provide a clear summary of our advice and recommended next steps, all tailored to your personal situation.
Step 5: Decision Support We give you all the information you need, empowering you to make the right decision—even if that decision is to do nothing for now.
Get Clarity on Your Biggest Questions
This service provides tailored calculations to help you plan your financial future. Common requests include:
- Understanding Your True Borrowing Capacity: How much can I actually afford to borrow given my current income, expenses, and future plans?
- Comparing Repayment Options: What are the long-term differences between fixed and floating rates? How will extra or lump-sum payments affect my total interest costs?
- Interest Savings Calculations: How can I reduce my mortgage term and save thousands in interest? We'll model accelerated repayments, offset accounts, and revolving credit facilities to find the best strategy for you.
Advice for Every Goal
Whatever your question, our advice is tailored to your unique situation.
For First-Home Buyers
Feeling overwhelmed by the numbers? We'll sit with you to calculate your true buying power, model your deposit (including KiwiSaver & Grants), and forecast your repayments so you can start your journey with a clear, confident plan.
For Home Owners
Want to be smarter with your mortgage? We'll run the numbers on your "what-ifs." We can forecast your savings from a new structure, model the impact of an offset account, or calculate your options for a renovation.
For Property Investors
Strategic investors need expert calculations. We'll model your entire portfolio, calculating your total LVR, forecasting cash flow on a new deal, and comparing interest-only vs. P&I structures to support your long-term growth.