MyProperty personalised home loan calculator

Our MyProperty tool in Internet Banking, can help you plan ahead by showing you how changes to your repayments, making lump sum payments, or different interest rates could affect your home loans and mortgage-free date.

Try MyProperty

How MyProperty works

MyProperty is a home loan calculator in BNZ personal Internet Banking. It uses your actual BNZ home loan data to show how making changes to your repayments, a lump sum payment, or different interest rates will affect your home loans and mortgage-free date.

If you want to make changes to your repayments or a lump sum payment, you can do that directly through MyProperty.

Try MyProperty

Change your repayments

If your financial situation looks like it might change in the future, you can see how increases or decreases in repayments will affect the interest you pay on your home loans, and how much sooner or later you’ll be mortgage-free.

You can work out any repayment adjustments you might need to make, before you need to make them.

Pay a lump sum

MyProperty lets you see how much sooner you could be mortgage-free if you make a lump sum payment. It can help you work out which loan you should pay the lump sum to, so you can maximise the time and interest you might save. 

MyProperty lets you see how much you could save on interest and if any repayment charges or fees will apply. You’ll then be able to make your lump sum payment within MyProperty ^.

Explore interest rates

MyProperty lets you plan ahead by seeing how different interest rates could affect your home loans. It lets you run different rate scenarios so you can see how they’ll affect your repayments.

Try MyProperty

MyProperty isn’t currently optimised for mobile devices. To get the most out of the tool, try it out on a laptop or desktop computer.

Use Internet Banking on desktop

  1.  Log in or register for Internet Banking
  2. Select your home loan account
  3. Click on Explore MyProperty^
  4. Select an option you’d like to try:
    • change your repayments
    • pay a lump sum
    • explore interest rates.

Try our demo on desktop

If you’re not a BNZ customer, you can try MyProperty and see how it could work for you.

Try our demo

Get in touch

Get a call back from a home loan expert

One of our home loan experts can give you a call to talk you through your options.

Arrange a call back

Talk to a Home Loan Partner

Home Loan Partners are mobile and available at a time and place that suits you. They can provide expert advice on buying, refinancing, building your home or investment property.

About Home Loan Partners

Move your home loan to us

We understand moving your home loan involves a change to your financial arrangements, so we’ll do everything we can to make the move simple and stress free.

Switch to a BNZ home loan

Home loans help and support

If you need some help call 0800 275 269.

MyProperty is not financial advice. It uses assumptions to estimate both your mortgage-free date and the impact of any changes you make to your home loans. Some of these assumptions are different than those used elsewhere at BNZ, such as in the regular view of your home loan in Internet Banking. Dates and amounts are estimates only. Estimates of time added, and how far away your mortgage-free date is, are rounded up to the nearest month. Estimates of time saved are rounded down to the nearest month. For more information see Understanding MyProperty assumptions. MyProperty is not available on all BNZ home loans.

MyProperty is not currently optimised for mobile devices. To get the most out of the tool, try it out on a laptop or desktop computer.

All interest rates and figures shown in the examples are for illustrative purposes only. More about BNZ’s current home loan rates and fees.

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