NZ Fixed Rate Mortgage vs. Interest Only Mortgage

A fixed rate mortgage is on an interest rate on your home loan that is guaranteed not to change for the specified fixed rate period. There are a variety of fixed rate terms.Interest Only fixed rate means your loan balance remains the same amount over the period designated by you and the bank and you are only obliged to pay that amount without principle for a set term.

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Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. Costs such as redraw fees, early repayment fees and other costs and charges which may be applicable are not included in the calculations but may influence the cost of the loan. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

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