Ratepath

RatePath is a New Zealand mortgage strategy simulator that helps you compare fixed-rate split options under different future interest-rate scenarios. Enter your mortgage balance, repayment preferences, rate outlook, and planning horizon. RatePath then models low, neutral, and high rate paths, compares candidate split strategies, and ranks the results using cost, payment stability, refix timing, and flexibility factors. Key features: • Compare fixed-rate split strategies side by side • Model falling, stable, and rising interest-rate scenarios • Estimate total interest, worst-case payment, balance, and principal paid • Explore how different refix terms may affect payment stability • Use New Zealand-focused mortgage products and NZD assumptions • Keep planning local-first without needing an adviser login RatePath is designed for education and planning support. It does not provide financial advice, lending advice, or personalised recommendations. Mortgage rates, bank products, and future interest-rate paths are uncertain, and actual outcomes may differ. Always check current lender rates and speak with a qualified financial adviser before making mortgage decisions.