Free Property Upsize Downsize Calculator for New Zealanders
Moving costs more than people remember. Agent commission alone can be $30,000-50,000 on a Kiwi home. See your net cash position after the swap.
Selling and buying
$900,000
$
$400,000
$
$1,200,000
$
3.5%
%
$8,000
$
New mortgage required
$739,500
upsizing by $300,000 plus costs
Based on selling at $900,000 with $400,000 owing, buying at $1,200,000.
Equity from sale (after costs)$460,500
Agent commission$31,500
Legal, marketing, moving$8,000
Cash needed (or released)$0
About our Upsize / Downsize Calculator
Disclaimer: This calculator is for information only and does not constitute financial advice. Real-world figures may differ due to fees, rounding, rate changes, and policy specifics. Always confirm figures with the relevant provider before signing anything.