THE CALCULATORS

Build cost, mortgage and rental calculators

Estimate construction costs, loan repayments and rental income. Adjust the assumptions to suit your budget.

Build costMortgageRental yield
BUILDING COST CALCULATOR

Estimate your building cost.

Choose a floor area, finish level and site type to estimate building costs. Your chosen builder provides the construction quote.

FLOOR AREA60 m²
30 M²40506070 M²
FINISH
YOUR SITE
ESTIMATED BUILD COST
$200,000
to $230,000
FINISH RATE$3,550 / M²
TIME ON SITE11–13 wks
PLAN SETINCLUDED
Discuss your project

This is an estimate for budgeting. Your builder provides the construction quote. Includes design, delivery and foundations; excludes land.

LOAN REPAYMENT CALCULATOR

Estimate your loan repayments.

Enter the building cost, deposit, interest rate and loan term to estimate repayments. Your lender confirms the available rate and loan terms.

BUILD COST TO BORROW$200,000
$100K$400K
DEPOSIT20%
0%50%
INTEREST RATE5.9%
4%9%
LOAN TERM25 yrs
10 YRS30 YRS
ESTIMATED REPAYMENTS
$236/ WK
MONTHLY$1,021
TOTAL INTEREST$146,337
TYPICAL RENT EARNED$600 / WK
Discuss your project

Estimates only, not lending advice. Your lender confirms the interest rate and terms. The rental comparison uses $600/week for a two-bedroom home in regional New Zealand; actual rent varies.

RENTAL RETURN CALCULATOR

Estimate rental income and return.

Enter the estimated building cost and weekly rent to calculate annual rental income and gross return.

BUILD COST$200,000
$100K$400K
WEEKLY RENT$600
$400$850
OCCUPANCY96%
80%100%
GROSS YIELD
15.0%
ANNUAL RENT$29,952
YEARS TO MATCH BUILD COST~6.7 YRS
TYPICAL NZ TWO-BED$580–$640 / WK
Discuss your project

Gross return and repayment period exclude rates, insurance, maintenance, finance costs and vacancies. Indicative only, not financial advice.