Made for New Zealand homeowners
Live rates from every major New Zealand lender, calculators built on real lending criteria, and a health score that tells you what to do next. All in one place, and free to use.
No credit card. No sales calls. Set up in a couple of minutes.
Mortgage-free 4y 5m sooner, saving $96,521 in interest
370 $/month
$369,446
$145k household income, $185k deposit, 4.65% over 30 years
$3,120
Monthly · fixed at 6.19%
Term ends 30 Sep · 74 days
Tracking rates from every major New Zealand lender
The market
Every OCR announcement eventually works its way into mortgage rates. Rate Wise tracks both daily, so you know when the rate you fixed at stops being a good deal. This chart is drawn live from the announcements we've logged.
The platform
Rate Wise brings your mortgage, your rates and your next decision together, so the smart move is always obvious.
Dashboard
A mortgage health score grades how hard your loan is working and points you to your next move, with your properties, equity, income and expenses in the same view.
Rates
Every major New Zealand lender, refreshed daily, with the context to tell whether a rate is worth moving for and an alert when it is.
Planning
Run the numbers on any decision with calculators and planners built on real New Zealand lending criteria, not generic formulas.
Mortgage Health Score
Rate Wise keeps a constant eye on your mortgage and the market, then turns it into one clear score and a short list of things worth doing. No spreadsheets, no guesswork.
65 /100
The toolkit
Whether you are buying, refixing or weighing up a refinance, every tool is built on real New Zealand lending data.
See what switching could save you, break-even point and fees included, using current market rates rather than guesswork. Compare scenarios across multiple lenders and see monthly and lifetime savings before you commit to anything.
Try the refinancing calculatorYou could save
$265/mo
Estimates only. Add fees and break-even in the full calculator →
Model strategies side by side and stress test your mortgage against rising rates.
Open the planner →Work out what you can realistically borrow based on income, expenses and current lending criteria.
Check your capacity →Plan repayments across weekly, fortnightly and monthly schedules, and see the impact of paying a little extra.
Plan your repayments →Model the upgrade, the deposit and the loan before you talk to anyone.
Plan your next home →Compare live rates across every major lender, filtered and sorted to suit your situation.
View live rates →Track the Official Cash Rate and how each move feeds through to mortgage rates.
View OCR history →A plain-English read on where your mortgage stands and what is worth doing about it.
Included with every accountWhy Rate Wise
The banks have whole teams working on their side of your mortgage. This is what having one on yours looks like.
All the major NZ banks and lenders, RBNZ cash rate tracking, and tools that reflect how home loans actually work here.
Rates from nine lenders and every OCR announcement, checked daily. You hear about the moves that matter to your loan.
Your financial data is encrypted, never sold, and never shared with a lender unless you choose to.
No subscriptions, no ads, no premium tier. Every feature is available to every homeowner, because good financial tools should be.
Join the Kiwi homeowners who check the whole market before they refix. Free, no credit card, set up in a couple of minutes.