Mortgage & finance
Plan your home purchase with clearer numbers.
Estimate repayments using published lender information, separate buying costs, and explore financing options without a lead-form gate.
Start planning your mortgageMortgage repayment and buying-cost planner
Use the interactive calculator to test your property price, deposit, repayment term and rate. It keeps your monthly repayment separate from estimated stamp duty and legal fees so you can plan the cash required to buy.
The Central Bank Rate is 8.75% and the published KESONIA reference rate is 8.7501% as reviewed on 23 August 2026. KESONIA is a reference rate, not a personal mortgage quote: variable customer rates include each lender’s premium and applicable fees.
Use lender information carefully
Published product rates can be fixed, variable or personalised. Product eligibility, income, security, deposit, credit checks, fees and approval remain the lender’s decision. ArdhiHome’s calculations and lender information are educational estimates, not financial advice or an approval promise.