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Mortgage Calculator Frequently Asked Questions

Below are two tools for either calculating your monthly repayments or determining how much you can borrow. The results are as accurate as the information you enter and the assumptions built into the tool. Before you make any decisions based on obtained results, check the values with your mortgage provider. Use this tool at your own risk. Please read Frequently Asked Questions. If you have a query regarding this tool, please email stephen@propertyreturns.co.nz.
What could my repayments be?
Loan Amount
Interest Rate
Term (years)
Monthly Repayments   
How much can I borrow?
Monthly Repayments
Interest Rate
Term (years)
Loan Amount  
If you have finished here, you may wish to go to the Cashflow Calculator (your calculations will be inserted into the Cashflow Calculator for you).



A valid question... Message from a hard-working Kiwi

I work, they pay me. I pay my taxes and the government distributes my taxes as it sees fit. In order to earn that pay cheque, as I work in the timber industry, I am required to pass a random urine test, with which I have no problem in passing.

What I do have a problem with is the distribution of my taxes to people who don't have to pass a urine test. Shouldn't one have to pass a urine test to get a welfare cheque because I have to pass one to earn it for them??

Please understand - I have no problem with helping people get back on their feet.

I do on the other hand have a problem with helping someone sit on their fat arse drinking piss & smoking dope all day. Could you imagine how much money the state would save if people had to pass a urine test to get a WINZ cheque???

Please show this to others if you agree. Hope you will do so because something has to change in this country, and soon!!!

By anonymous


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