Mortgage Fixed-Rate Rollover Calculator NZ

This calculator shows how much your mortgage repayments will jump when your fixed rate ends and your loan rolls onto a new rate, a moment that catches many New Zealand homeowners off guard when rates have risen since they last fixed. You enter your remaining loan balance, your old fixed rate, the new rate you expect to roll onto, and the remaining term in years. The calculator works out the table repayment at both rates over that remaining term and returns your old repayment, your new repayment, the extra amount you will pay per month, and the extra cost per year. Seeing the size of the jump before it happens gives you time to prepare, whether that means adjusting your budget, shopping around for a better rate, splitting your loan across different fixed terms, or paying down extra balance while your old low rate still applies. For example, a $500,000 loan over 25 years rolling from 4.49% to 5.79% lifts the monthly repayment from around $2,779 to $3,156, an increase of roughly $377 a month or $4,520 a year. Use the tool a few months before your fixed term expires so the new repayment is not a surprise. This is a repayment estimate only, based on table loan calculations, and excludes fees or lender-specific terms, so treat it as a planning guide rather than a loan offer.

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Compares table repayments at the old and new rates over the remaining term. Shop around and consider splitting across terms or increasing repayments before the rollover. Estimate only, not a loan offer.