| A | B | C | D | E | F | G | H | I | J | K | L | M | N | O | P | Q | R | S | T | U | V | W | X | Y | Z | AA | AB | AC | AD | AE | AF | AG | AH | AI | AJ | AK | AL | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
1 | 360,000.00 | Change the highlighted boxs with current rates | ||||||||||||||||||||||||||||||||||||
2 | Annual Principle repayed | 10,000.00 | Then find the rate where the Average over that term is less than or equal to the fortnightly cost for the | Historic approx average rates | ||||||||||||||||||||||||||||||||||
3 | Loan balance after | 1 year | 350,000.00 | (assuming same | longer term mortgage. | Term | 1 | 2 | 3 | 4 | 5 | |||||||||||||||||||||||||||
4 | 2 years | 340,000.00 | amount of principle | 2009-2015 | 5.6 | 6.2 | 6.8 | 7 | 7.2 | |||||||||||||||||||||||||||||
5 | 3 years | 330,000.00 | repayed each year) | EG if the 2 year duration is | 1,353.85 | per fortnight, find the number in column k that is just less than this value. | 2015-2020 | 4.1 | 4.7 | 4.8 | 4.9 | 5.5 | ||||||||||||||||||||||||||
6 | This is the rate the one year mortgage would have to be at for the 2nd one year mortgage to be the best deal. | |||||||||||||||||||||||||||||||||||||
7 | ||||||||||||||||||||||||||||||||||||||
8 | 1 year duration | Interest | Interest & Principle | Fortnightly cost | See historic interest rates here | https://www.interest.co.nz/charts/interest-rates/fixed-mortgage-rates | ||||||||||||||||||||||||||||||||
9 | 7.25 | 26,100.00 | 36,100.00 | 1,388.46 | ||||||||||||||||||||||||||||||||||
10 | ||||||||||||||||||||||||||||||||||||||
11 | 2 year duration | Total cost over 2 years | ||||||||||||||||||||||||||||||||||||
12 | 7 | 25,200.00 | 35,200.00 | 1,353.85 | 70,400.00 | 1,353.85 | ||||||||||||||||||||||||||||||||
13 | 3 year duration | Total cost over 2 years | Total cost over 3 years | |||||||||||||||||||||||||||||||||||
14 | 6.95 | 25,020.00 | 35,020.00 | 1,346.92 | 70,040.00 | 1,346.92 | 105,060.00 | 1,346.92 | ||||||||||||||||||||||||||||||
15 | ||||||||||||||||||||||||||||||||||||||
16 | ||||||||||||||||||||||||||||||||||||||
17 | ||||||||||||||||||||||||||||||||||||||
18 | Cost over 3 years locking in 3x1 year duration with different rates. | |||||||||||||||||||||||||||||||||||||
19 | 2nd year interest rate | Using loan value left of: | 350,000.00 | Using loan value left of | 340,000.00 | Average over 3 years using x.x for second year rate | ||||||||||||||||||||||||||||||||
20 | 1st year | Interest | Interest & principle | Fortnightly Cost | Interest | Interest & principle | Fortnightly Cost | Average over 2 years | 3rd year | Interest | Interest & principle | Fortnightly Cost | 3.00 | 3.10 | 3.20 | 3.30 | 3.40 | 3.50 | 3.60 | 3.70 | 3.80 | 3.90 | 4.00 | 4.10 | 4.20 | 4.30 | 4.40 | 4.50 | 4.60 | 4.70 | 4.80 | 4.90 | 5.00 | |||||
21 | 7.25 | 26,100.00 | 36,100.00 | 1,388.46 | 3.00 | 10,500.00 | 20,500.00 | 788.46 | 1,088.46 | One year term is better | 3.00 | 10,200.00 | 20,200.00 | 776.92 | 1,084.62 | 1,086.86 | 1,089.10 | 1,091.35 | 1,093.59 | 1,095.83 | 1,098.08 | 1,100.32 | 1,102.56 | 1,104.81 | 1,107.05 | 1,109.29 | 1,111.54 | 1,113.78 | 1,116.03 | 1,118.27 | 1,120.51 | 1,122.76 | 1,125.00 | 1,127.24 | 1,129.49 | |||
22 | 3.10 | 10,850.00 | 20,850.00 | 801.92 | 1,095.19 | 3.10 | 10,540.00 | 20,540.00 | 790.00 | 1,088.97 | 1,091.22 | 1,093.46 | 1,095.71 | 1,097.95 | 1,100.19 | 1,102.44 | 1,104.68 | 1,106.92 | 1,109.17 | 1,111.41 | 1,113.65 | 1,115.90 | 1,118.14 | 1,120.38 | 1,122.63 | 1,124.87 | 1,127.12 | 1,129.36 | 1,131.60 | 1,133.85 | ||||||||
23 | 3.20 | 11,200.00 | 21,200.00 | 815.38 | 1,101.92 | 3.20 | 10,880.00 | 20,880.00 | 803.08 | 1,093.33 | 1,095.58 | 1,097.82 | 1,100.06 | 1,102.31 | 1,104.55 | 1,106.79 | 1,109.04 | 1,111.28 | 1,113.53 | 1,115.77 | 1,118.01 | 1,120.26 | 1,122.50 | 1,124.74 | 1,126.99 | 1,129.23 | 1,131.47 | 1,133.72 | 1,135.96 | 1,138.21 | ||||||||
24 | 3.30 | 11,550.00 | 21,550.00 | 828.85 | 1,108.65 | 3.30 | 11,220.00 | 21,220.00 | 816.15 | 1,097.69 | 1,099.94 | 1,102.18 | 1,104.42 | 1,106.67 | 1,108.91 | 1,111.15 | 1,113.40 | 1,115.64 | 1,117.88 | 1,120.13 | 1,122.37 | 1,124.62 | 1,126.86 | 1,129.10 | 1,131.35 | 1,133.59 | 1,135.83 | 1,138.08 | 1,140.32 | 1,142.56 | ||||||||
25 | 3.40 | 11,900.00 | 21,900.00 | 842.31 | 1,115.38 | 3.40 | 11,560.00 | 21,560.00 | 829.23 | 1,102.05 | 1,104.29 | 1,106.54 | 1,108.78 | 1,111.03 | 1,113.27 | 1,115.51 | 1,117.76 | 1,120.00 | 1,122.24 | 1,124.49 | 1,126.73 | 1,128.97 | 1,131.22 | 1,133.46 | 1,135.71 | 1,137.95 | 1,140.19 | 1,142.44 | 1,144.68 | 1,146.92 | ||||||||
26 | 3.50 | 12,250.00 | 22,250.00 | 855.77 | 1,122.12 | 3.50 | 11,900.00 | 21,900.00 | 842.31 | 1,106.41 | 1,108.65 | 1,110.90 | 1,113.14 | 1,115.38 | 1,117.63 | 1,119.87 | 1,122.12 | 1,124.36 | 1,126.60 | 1,128.85 | 1,131.09 | 1,133.33 | 1,135.58 | 1,137.82 | 1,140.06 | 1,142.31 | 1,144.55 | 1,146.79 | 1,149.04 | 1,151.28 | ||||||||
27 | 3.60 | 12,600.00 | 22,600.00 | 869.23 | 1,128.85 | 3.60 | 12,240.00 | 22,240.00 | 855.38 | 1,110.77 | 1,113.01 | 1,115.26 | 1,117.50 | 1,119.74 | 1,121.99 | 1,124.23 | 1,126.47 | 1,128.72 | 1,130.96 | 1,133.21 | 1,135.45 | 1,137.69 | 1,139.94 | 1,142.18 | 1,144.42 | 1,146.67 | 1,148.91 | 1,151.15 | 1,153.40 | 1,155.64 | ||||||||
28 | 3.70 | 12,950.00 | 22,950.00 | 882.69 | 1,135.58 | 3.70 | 12,580.00 | 22,580.00 | 868.46 | 1,115.13 | 1,117.37 | 1,119.62 | 1,121.86 | 1,124.10 | 1,126.35 | 1,128.59 | 1,130.83 | 1,133.08 | 1,135.32 | 1,137.56 | 1,139.81 | 1,142.05 | 1,144.29 | 1,146.54 | 1,148.78 | 1,151.03 | 1,153.27 | 1,155.51 | 1,157.76 | 1,160.00 | ||||||||
29 | 3.80 | 13,300.00 | 23,300.00 | 896.15 | 1,142.31 | 3.80 | 12,920.00 | 22,920.00 | 881.54 | 1,119.49 | 1,121.73 | 1,123.97 | 1,126.22 | 1,128.46 | 1,130.71 | 1,132.95 | 1,135.19 | 1,137.44 | 1,139.68 | 1,141.92 | 1,144.17 | 1,146.41 | 1,148.65 | 1,150.90 | 1,153.14 | 1,155.38 | 1,157.63 | 1,159.87 | 1,162.12 | 1,164.36 | ||||||||
30 | 3.90 | 13,650.00 | 23,650.00 | 909.62 | 1,149.04 | 3.90 | 13,260.00 | 23,260.00 | 894.62 | 1,123.85 | 1,126.09 | 1,128.33 | 1,130.58 | 1,132.82 | 1,135.06 | 1,137.31 | 1,139.55 | 1,141.79 | 1,144.04 | 1,146.28 | 1,148.53 | 1,150.77 | 1,153.01 | 1,155.26 | 1,157.50 | 1,159.74 | 1,161.99 | 1,164.23 | 1,166.47 | 1,168.72 | ||||||||
31 | 4.00 | 14,000.00 | 24,000.00 | 923.08 | 1,155.77 | 4.00 | 13,600.00 | 23,600.00 | 907.69 | 1,128.21 | 1,130.45 | 1,132.69 | 1,134.94 | 1,137.18 | 1,139.42 | 1,141.67 | 1,143.91 | 1,146.15 | 1,148.40 | 1,150.64 | 1,152.88 | 1,155.13 | 1,157.37 | 1,159.62 | 1,161.86 | 1,164.10 | 1,166.35 | 1,168.59 | 1,170.83 | 1,173.08 | ||||||||
32 | 4.10 | 14,350.00 | 24,350.00 | 936.54 | 1,162.50 | 4.10 | 13,940.00 | 23,940.00 | 920.77 | 1,132.56 | 1,134.81 | 1,137.05 | 1,139.29 | 1,141.54 | 1,143.78 | 1,146.03 | 1,148.27 | 1,150.51 | 1,152.76 | 1,155.00 | 1,157.24 | 1,159.49 | 1,161.73 | 1,163.97 | 1,166.22 | 1,168.46 | 1,170.71 | 1,172.95 | 1,175.19 | 1,177.44 | ||||||||
33 | 4.20 | 14,700.00 | 24,700.00 | 950.00 | 1,169.23 | 4.20 | 14,280.00 | 24,280.00 | 933.85 | 1,136.92 | 1,139.17 | 1,141.41 | 1,143.65 | 1,145.90 | 1,148.14 | 1,150.38 | 1,152.63 | 1,154.87 | 1,157.12 | 1,159.36 | 1,161.60 | 1,163.85 | 1,166.09 | 1,168.33 | 1,170.58 | 1,172.82 | 1,175.06 | 1,177.31 | 1,179.55 | 1,181.79 | ||||||||
34 | 4.30 | 15,050.00 | 25,050.00 | 963.46 | 1,175.96 | Two year term is better | 4.30 | 14,620.00 | 24,620.00 | 946.92 | 1,141.28 | 1,143.53 | 1,145.77 | 1,148.01 | 1,150.26 | 1,152.50 | 1,154.74 | 1,156.99 | 1,159.23 | 1,161.47 | 1,163.72 | 1,165.96 | 1,168.21 | 1,170.45 | 1,172.69 | 1,174.94 | 1,177.18 | 1,179.42 | 1,181.67 | 1,183.91 | 1,186.15 | |||||||
35 | 4.40 | 15,400.00 | 25,400.00 | 976.92 | 1,182.69 | 4.40 | 14,960.00 | 24,960.00 | 960.00 | 1,145.64 | 1,147.88 | 1,150.13 | 1,152.37 | 1,154.62 | 1,156.86 | 1,159.10 | 1,161.35 | 1,163.59 | 1,165.83 | 1,168.08 | 1,170.32 | 1,172.56 | 1,174.81 | 1,177.05 | 1,179.29 | 1,181.54 | 1,183.78 | 1,186.03 | 1,188.27 | 1,190.51 | ||||||||
36 | 4.50 | 15,750.00 | 25,750.00 | 990.38 | 1,189.42 | 4.50 | 15,300.00 | 25,300.00 | 973.08 | 1,150.00 | 1,152.24 | 1,154.49 | 1,156.73 | 1,158.97 | 1,161.22 | 1,163.46 | 1,165.71 | 1,167.95 | 1,170.19 | 1,172.44 | 1,174.68 | 1,176.92 | 1,179.17 | 1,181.41 | 1,183.65 | 1,185.90 | 1,188.14 | 1,190.38 | 1,192.63 | 1,194.87 | ||||||||
37 | 4.60 | 16,100.00 | 26,100.00 | 1,003.85 | 1,196.15 | 4.60 | 15,640.00 | 25,640.00 | 986.15 | 1,154.36 | 1,156.60 | 1,158.85 | 1,161.09 | 1,163.33 | 1,165.58 | 1,167.82 | 1,170.06 | 1,172.31 | 1,174.55 | 1,176.79 | 1,179.04 | 1,181.28 | 1,183.53 | 1,185.77 | 1,188.01 | 1,190.26 | 1,192.50 | 1,194.74 | 1,196.99 | 1,199.23 | ||||||||
38 | 4.70 | 16,450.00 | 26,450.00 | 1,017.31 | 1,202.88 | 4.70 | 15,980.00 | 25,980.00 | 999.23 | 1,158.72 | 1,160.96 | 1,163.21 | 1,165.45 | 1,167.69 | 1,169.94 | 1,172.18 | 1,174.42 | 1,176.67 | 1,178.91 | 1,181.15 | 1,183.40 | 1,185.64 | 1,187.88 | 1,190.13 | 1,192.37 | 1,194.62 | 1,196.86 | 1,199.10 | 1,201.35 | 1,203.59 | ||||||||
39 | 4.80 | 16,800.00 | 26,800.00 | 1,030.77 | 1,209.62 | 4.80 | 16,320.00 | 26,320.00 | 1,012.31 | 1,163.08 | 1,165.32 | 1,167.56 | 1,169.81 | 1,172.05 | 1,174.29 | 1,176.54 | 1,178.78 | 1,181.03 | 1,183.27 | 1,185.51 | 1,187.76 | 1,190.00 | 1,192.24 | 1,194.49 | 1,196.73 | 1,198.97 | 1,201.22 | 1,203.46 | 1,205.71 | 1,207.95 | ||||||||
40 | 4.90 | 17,150.00 | 27,150.00 | 1,044.23 | 1,216.35 | 4.90 | 16,660.00 | 26,660.00 | 1,025.38 | 1,167.44 | 1,169.68 | 1,171.92 | 1,174.17 | 1,176.41 | 1,178.65 | 1,180.90 | 1,183.14 | 1,185.38 | 1,187.63 | 1,189.87 | 1,192.12 | 1,194.36 | 1,196.60 | 1,198.85 | 1,201.09 | 1,203.33 | 1,205.58 | 1,207.82 | 1,210.06 | 1,212.31 | ||||||||
41 | 5.00 | 17,500.00 | 27,500.00 | 1,057.69 | 1,223.08 | 5.00 | 17,000.00 | 27,000.00 | 1,038.46 | 1,171.79 | 1,174.04 | 1,176.28 | 1,178.53 | 1,180.77 | 1,183.01 | 1,185.26 | 1,187.50 | 1,189.74 | 1,191.99 | 1,194.23 | 1,196.47 | 1,198.72 | 1,200.96 | 1,203.21 | 1,205.45 | 1,207.69 | 1,209.94 | 1,212.18 | 1,214.42 | 1,216.67 | ||||||||
42 | 5.10 | 17,340.00 | 27,340.00 | 1,051.54 | 1,176.15 | 1,178.40 | 1,180.64 | 1,182.88 | 1,185.13 | 1,187.37 | 1,189.62 | 1,191.86 | 1,194.10 | 1,196.35 | 1,198.59 | 1,200.83 | 1,203.08 | 1,205.32 | 1,207.56 | 1,209.81 | 1,212.05 | 1,214.29 | 1,216.54 | 1,218.78 | 1,221.03 | |||||||||||||
43 | Cost over 3 years using a 2 year and a 1 year term | interest rate for 1 year term at start of 3rd year | Using loan value left of: | 340,000.00 | 5.20 | 17,680.00 | 27,680.00 | 1,064.62 | 1,180.51 | 1,182.76 | 1,185.00 | 1,187.24 | 1,189.49 | 1,191.73 | 1,193.97 | 1,196.22 | 1,198.46 | 1,200.71 | 1,202.95 | 1,205.19 | 1,207.44 | 1,209.68 | 1,211.92 | 1,214.17 | 1,216.41 | 1,218.65 | 1,220.90 | 1,223.14 | 1,225.38 | |||||||||
44 | 2 year mortgage rate | Interest | Interest & principle | Fortnightly Cost | Average over 3 years | 5.30 | 18,020.00 | 28,020.00 | 1,077.69 | 1,184.87 | 1,187.12 | 1,189.36 | 1,191.60 | 1,193.85 | 1,196.09 | 1,198.33 | 1,200.58 | 1,202.82 | 1,205.06 | 1,207.31 | 1,209.55 | 1,211.79 | 1,214.04 | 1,216.28 | 1,218.53 | 1,220.77 | 1,223.01 | 1,225.26 | 1,227.50 | 1,229.74 | ||||||||
45 | 7.00 | 25,200.00 | 35,200.00 | 1,353.85 | 3.00 | 10,200.00 | 20,200.00 | 776.92 | 801.75 | 2 + 1 term is better | 5.40 | 18,360.00 | 28,360.00 | 1,090.77 | 1,189.23 | 1,191.47 | 1,193.72 | 1,195.96 | 1,198.21 | 1,200.45 | 1,202.69 | 1,204.94 | 1,207.18 | 1,209.42 | 1,211.67 | 1,213.91 | 1,216.15 | 1,218.40 | 1,220.64 | 1,222.88 | 1,225.13 | 1,227.37 | 1,229.62 | 1,231.86 | 1,234.10 | |||
46 | 3.10 | 10,540.00 | 20,540.00 | 790.00 | 806.11 | 5.50 | 18,700.00 | 28,700.00 | 1,103.85 | 1,193.59 | 1,195.83 | 1,198.08 | 1,200.32 | 1,202.56 | 1,204.81 | 1,207.05 | 1,209.29 | 1,211.54 | 1,213.78 | 1,216.03 | 1,218.27 | 1,220.51 | 1,222.76 | 1,225.00 | 1,227.24 | 1,229.49 | 1,231.73 | 1,233.97 | 1,236.22 | 1,238.46 | ||||||||
47 | 3.20 | 10,880.00 | 20,880.00 | 803.08 | 810.47 | 5.60 | 19,040.00 | 29,040.00 | 1,116.92 | 1,197.95 | 1,200.19 | 1,202.44 | 1,204.68 | 1,206.92 | 1,209.17 | 1,211.41 | 1,213.65 | 1,215.90 | 1,218.14 | 1,220.38 | 1,222.63 | 1,224.87 | 1,227.12 | 1,229.36 | 1,231.60 | 1,233.85 | 1,236.09 | 1,238.33 | 1,240.58 | 1,242.82 | ||||||||
48 | 3.30 | 11,220.00 | 21,220.00 | 816.15 | 814.82 | 5.70 | 19,380.00 | 29,380.00 | 1,130.00 | 1,202.31 | 1,204.55 | 1,206.79 | 1,209.04 | 1,211.28 | 1,213.53 | 1,215.77 | 1,218.01 | 1,220.26 | 1,222.50 | 1,224.74 | 1,226.99 | 1,229.23 | 1,231.47 | 1,233.72 | 1,235.96 | 1,238.21 | 1,240.45 | 1,242.69 | 1,244.94 | 1,247.18 | ||||||||
49 | 3.40 | 11,560.00 | 21,560.00 | 829.23 | 819.18 | 5.80 | 19,720.00 | 29,720.00 | 1,143.08 | 1,206.67 | 1,208.91 | 1,211.15 | 1,213.40 | 1,215.64 | 1,217.88 | 1,220.13 | 1,222.37 | 1,224.62 | 1,226.86 | 1,229.10 | 1,231.35 | 1,233.59 | 1,235.83 | 1,238.08 | 1,240.32 | 1,242.56 | 1,244.81 | 1,247.05 | 1,249.29 | 1,251.54 | ||||||||
50 | 3.50 | 11,900.00 | 21,900.00 | 842.31 | 823.54 | 5.90 | 20,060.00 | 30,060.00 | 1,156.15 | 1,211.03 | 1,213.27 | 1,215.51 | 1,217.76 | 1,220.00 | 1,222.24 | 1,224.49 | 1,226.73 | 1,228.97 | 1,231.22 | 1,233.46 | 1,235.71 | 1,237.95 | 1,240.19 | 1,242.44 | 1,244.68 | 1,246.92 | 1,249.17 | 1,251.41 | 1,253.65 | 1,255.90 | ||||||||
51 | 3.60 | 12,240.00 | 22,240.00 | 855.38 | 827.90 | 6.00 | 20,400.00 | 30,400.00 | 1,169.23 | 1,215.38 | 1,217.63 | 1,219.87 | 1,222.12 | 1,224.36 | 1,226.60 | 1,228.85 | 1,231.09 | 1,233.33 | 1,235.58 | 1,237.82 | 1,240.06 | 1,242.31 | 1,244.55 | 1,246.79 | 1,249.04 | 1,251.28 | 1,253.53 | 1,255.77 | 1,258.01 | 1,260.26 | ||||||||
52 | 3.70 | 12,580.00 | 22,580.00 | 868.46 | 832.26 | |||||||||||||||||||||||||||||||||
53 | 3.80 | 12,920.00 | 22,920.00 | 881.54 | 836.62 | |||||||||||||||||||||||||||||||||
54 | 3.90 | 13,260.00 | 23,260.00 | 894.62 | 840.98 | |||||||||||||||||||||||||||||||||
55 | 4.00 | 13,600.00 | 23,600.00 | 907.69 | 845.34 | |||||||||||||||||||||||||||||||||
56 | 4.10 | 13,940.00 | 23,940.00 | 920.77 | 849.70 | |||||||||||||||||||||||||||||||||
57 | 4.20 | 14,280.00 | 24,280.00 | 933.85 | 854.06 | |||||||||||||||||||||||||||||||||
58 | 4.30 | 14,620.00 | 24,620.00 | 946.92 | 858.41 | |||||||||||||||||||||||||||||||||
59 | 4.40 | 14,960.00 | 24,960.00 | 960.00 | 862.77 | |||||||||||||||||||||||||||||||||
60 | 4.50 | 15,300.00 | 25,300.00 | 973.08 | 867.13 | |||||||||||||||||||||||||||||||||
61 | 4.60 | 15,640.00 | 25,640.00 | 986.15 | 871.49 | |||||||||||||||||||||||||||||||||
62 | 4.70 | 15,980.00 | 25,980.00 | 999.23 | 875.85 | |||||||||||||||||||||||||||||||||
63 | 4.80 | 16,320.00 | 26,320.00 | 1,012.31 | 880.21 | 3 yr is better | ||||||||||||||||||||||||||||||||
64 | 4.90 | 16,660.00 | 26,660.00 | 1,025.38 | 884.57 | |||||||||||||||||||||||||||||||||
65 | 5.00 | 17,000.00 | 27,000.00 | 1,038.46 | 888.93 | |||||||||||||||||||||||||||||||||
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97 | ||||||||||||||||||||||||||||||||||||||
98 | ||||||||||||||||||||||||||||||||||||||
99 | ||||||||||||||||||||||||||||||||||||||
100 | ||||||||||||||||||||||||||||||||||||||