The monthly payment is only part of the picture. Free mortgage calculator for New Zealand: monthly repayments, deposit and the cash you need on day one, including every buying cost and tax.
Costs on top of the price
NZ$3,250
Home to live in ·
What do you want to work out?
Your monthly repayments, the deposit and the cash you need on day one.
Monthly repayment
Loan
NZ$637,500Deposit
NZ$212,500Total interest
NZ$622,709If rates rise 1%
NZ$3,904If rates rise 2%
NZ$4,327Cash needed on day one
NZ$215,750Example rate only, not a quote or mortgage advice. Rates change daily and depend on you; speak to a lender or a regulated mortgage broker. Your home may be repossessed if you do not keep up repayments on your mortgage.
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Reach people working out the cost of buying in New ZealandFor lawyers, brokers, surveyors and agents serving New Zealand. Shown only on these pages, labelled as sponsored.Where are you buying?
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Next steps
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Questions
Home to live in: buying costs come to about NZ$2,200. All buying costs together come to about NZ$3,250, or 0.4% of the price. Change the price or buyer type above to see your own figure.
There's no extra tax, because New Zealand has no stamp duty. But most overseas buyers aren't allowed to buy existing homes.
You can buy: New Zealand citizens and residents, and Australian and Singaporean citizens, are allowed. If you sell within 2 years, the 'bright-line' rule can tax the gain on a home you didn't live in.
A New Zealand lawyer or licensed conveyancer. An IRD number (NZ tax number) for the land transfer tax statement.
We last updated the figures on 16 Oct 2026 and checked them against official sources on 16 Oct 2026. We check every country every week, and show a warning if a check is overdue.
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