Last updated: October 2026. Please read these terms before using settlefinance.nz, operated by GA26 Limited, trading as Settle Finance.
Settle's calculators and guides provide general information and estimates only. They do not take your full personal, financial or legal circumstances into account, and nothing on this site is personalised financial advice. GA26 Limited (trading as Settle Finance) is not currently a licensed financial advice provider and does not currently refer or match you to any adviser or lender.
Always confirm figures with a licensed mortgage adviser or your lender, and seek independent financial, legal and tax advice before making a decision to buy a home, borrow money, or withdraw KiwiSaver funds.
Our calculators use the numbers you enter, plus clearly-labelled generic assumptions where you leave a field blank. Real lenders apply their own detailed criteria, which can differ from these estimates. We make reasonable efforts to keep rates, caps and bank figures current and sourced, but we don't guarantee their accuracy, and they can change without notice as rates and policy settings change.
To the maximum extent permitted by law, GA26 Limited (trading as Settle Finance) is not liable for any loss arising from your use of, or reliance on, this site or its calculators, including decisions made about borrowing, buying property, or withdrawing KiwiSaver funds.
You may use this site for your own personal, non-commercial purpose of researching a first home purchase. You may not copy, scrape, or republish our content or tools without our permission.
We link to official sources (like the FSPR register and Settled.govt.nz) and third parties for your convenience. We don't control and aren't responsible for the content of external sites.
We may update these terms as the site evolves. Continuing to use the site after a change means you accept the updated terms.
These terms are governed by the laws of New Zealand.