This calculator is intended as a guide only and is not a quote or an offer of finance. It does not take into account your personal financial situation or goals. Calculated figures are based on the accuracy of the information entered and are made using the following assumptions:

• You do not change your loan amount.
• You make your repayments in full and on time and do not make any extra repayments.
• The interest rate remains the same for your loan term (note that in reality, interest rates are likely to change over time).
• Interest is calculated daily and charged at the same frequency as you choose for repayments over your loan term.
• Your repayment amounts are calculated on a “principal and interest” basis over your loan term.
• Actual amounts may vary slightly due to rounding.

BNZ home loans are subject to our lending criteria (including minimum equity requirements), terms and fees. Interest rates are subject to change. An establishment fee of up to $400 may apply for personal lending (the fee may be different for non-personal lending).