1 Your loan
Fetching live rates from ratesapi.nz…
Couldn’t reach the live rates API. Showing the sample dataset instead — marked wherever it appears.
2 Lender leaderboard
Every lender ranked by what your loan costs with their cheapest eligible offer. Pick your fixed term:
Repayments assume the selected rate holds for the entire loan term. Eligibility rules (e.g. loan caps, LVR limits) are applied from product names — confirm with the lender.
3 Rate battle ⚔️
Pick any two offers — from the leaderboard, heat map, or term explorer — and watch them fight over your money.
4 Market heat map
The whole NZ rate landscape at a glance — each cell is a lender’s cheapest rate for that term (all products). Tap a cell to inspect it.
“—” means the lender doesn’t publish that term. Floating rows have no fixed term.
5 Term explorer
Fixing for 6 months vs 5 years changes everything. Pick a lender and product to see how each term plays out on your loan.
6 Your shortlist
Offers you’ve pinned, side by side. Cheapest wears the crown.
7 Payoff journey
Your current pick, year by year: watch the balance melt and the equity grow.