Reverse Mortgage Calculator NZ

Get an estimate of how much equity you could release from your home with both options

Your Details

$

Estimated current market value of your home

Must be 60 or older for equity release

$

Any remaining mortgage must usually be paid off first

Estimate Only

These calculations are estimates. Actual amounts depend on property valuations, health assessments, and provider criteria. Always seek professional advice.

Home Reversion

No Debt Option
$0

Based on selling 0% of your home

Home share retained:100%
Future growth share:100%
Monthly payments:$0

Reverse Mortgage

Loan-Based Option
$0

Based on 0% loan-to-value ratio

Home ownership:100%
Interest rate (illustrative est.):6.5% p.a.
Monthly payments:$0

The rate shown is an indicative example only and varies by lender. For current, sourced provider rates, see our Heartland vs SBS comparison.

Next Steps

• Get a professional property valuation

• Speak with qualified financial advisers

• Compare quotes from multiple providers

• Consider impact on inheritance and benefits

Want Professional Advice?

These estimates are a starting point. Get personalized advice from qualified professionals who can consider your complete financial situation.