Existing Loan Analysis ToolsBeta
Model different rate combinations across major NZ banks and see how your estimated repayments compare.
How It Works
Tell us about your loan & priorities
Current balance, rate, and what matters most to you
Compare options
We calculate 100+ rate combinations so you can compare the numbers
View projections
Payment timeline, interest estimates, and refix schedule
Benefits of Using This Tool
Compare all major banks in minutes
View estimated total cost, not just rates
Break fees vs. interest differences
Model different term lengths
Everything you need to research your mortgage
Compare rates, model options, and track your progress - all in one platform
🎯 Option Comparison
View 3-5 rate combinations - lower repayments, reduced interest, or flexible terms - and compare the estimated numbers side by side.
📈 Live Bank Rates
Compare current rates from ANZ, ASB, BNZ, Westpac, and Kiwibank across 1-5 year terms. Updated daily.
💵 Break Fee Estimator
Estimate potential break costs using a general calculation methodology. Actual break fees are calculated by your bank and may differ.
⚖️ Break Even Analysis
See how long it could take for interest differences to offset break fees based on estimated calculations.
🔀 Split Loan Modelling
Model multiple loan portions with different rates and terms to see how the estimated repayments compare.
⚠️ Rate Change Impact
See how potential rate changes could affect your estimated repayments across different term lengths.
💰 Offset Account Modelling
Model the estimated impact of offset accounts on your total interest across different balance levels.
📊 Cashflow Comparison
View estimated monthly payment differences across different rate and term combinations.
🚀 Extra Payment Modelling
See the estimated impact of additional payments on your payoff timeline and total interest.
Your Privacy Matters
Your financial data deserves the same protection as your money. We built RateMate with privacy at the core.
Read our Privacy PolicyEncrypted storage
Data encrypted at rest and in transit using industry-standard encryption.
No data selling
We never sell, share, or monetise your personal or financial information.
You're in control
Your scenarios are private to your account. We only store what you enter.
Ready to explore your mortgage options?
Takes 3-5 minutes • Free to use
Important Disclaimer
RateMate is an informational tool only and does not provide financial advice as defined by the Financial Markets Conduct Act 2013. RateMate is not registered on the FSPR and does not hold a Financial Advice Provider licence. All results are mathematical estimates based on your inputs and current advertised rates - actual loan terms, rates, fees, and repayments may vary. Always consult a licensed financial adviser or mortgage broker before making financial decisions.