Sarah & Dan – Mortgage Planner

🏡 Loan setup

Scenario nameHouse price ($)Deposit ($)

Kāinga Ora / First Home Loan fee is being used

Kāinga Ora fee rate (%) (default 1% added to mortgage)Loan term (years)

House price–

Deposit–

Base loan (price - deposit)–

Kāinga Ora fee added–

Total mortgage to allocate–

Deposit %–

Enter a dollar amount for each split. The percentage column updates automatically against the total mortgage amount.

Total mortgage target–

Allocated–

Remaining / over–

Cash in bank / offset balance ($)

Cash only reduces interest on offset-eligible split portions. It does not reduce the mortgage balance itself.

Extra fortnightly repayment ($)

–

Sarah – fortnightly ($)Dan – bi-monthly ($ per pay, 2x/month)

Combined weekly–

Combined fortnightly–

Combined monthly–

Combined annual–

Total monthly regular payments–

Income

–

Mortgage + regular payments

–

Surplus / deficit

–

Emergency fund target (3 months regular payments)–