Home Loan & Investment Calculators
These tools are built for buyers and investors here in Fiji – from first homes in Suva to rentals in Pacific Harbour. Use them to get a rough feel for your numbers. When you’re ready, the Flagship team can sit with you, plug the real bank calculators, and map out a plan that actually works for your family.
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Refinance Feasibility Calculator
Wondering if it’s worth moving banks? Use this to compare your current loan against a new rate and see if the savings justify the switch.
Current Loan
New Loan (Proposed)
Includes discharge fees, setup fees, legal, etc. A rough estimate is fine.
Disclaimer: This calculator provides indicative estimates only and does not assess your personal eligibility, credit profile, or lender criteria. It does not include all fees and charges. Please speak with a Flagship team member before making any refinancing decisions.
Rent vs Buy Calculator
Not sure if you should keep renting or finally buy? This compares a simple rent scenario against buying a home in Fiji using rough costs and long-term growth assumptions.
Your Current Renting
How much you expect your rent to go up each year, on average.
If You Buy
Includes savings, FNPF and any gifted funds.
Many markets see long-term growth somewhere in the 3%–8% range, with 5% a common “middle” assumption. This is not guaranteed.
A simple rule-of-thumb is ~1.5% of the property value per year.
Disclaimer: This is a simplified comparison only. It does not include every cost or tax effect, and assumes interest-only for the “owning cost” part. Property growth, rent increases and maintenance are all estimates and not guaranteed. Always get personalised advice before making major decisions.
How Much Deposit Do I Need?
Get a feel for how much deposit you’ll need – including a rough allowance for costs – so you know what target to aim for with savings, FNPF and equity.
Rough price of the property you’re looking at.
For example, 80% LVR usually means a 20% deposit.
Includes legal fees, government charges, valuations, etc. This is a rough guide only.
Disclaimer: This is a simplified estimate only. Actual deposit and costs will depend on the lender, property type, location and government/legal charges. Always confirm figures with your lender, solicitor, and your Flagship advisor before committing.
Investment Yield & Cashflow Calculator
Run the numbers on a rental in Fiji – yield, basic cashflow and the impact of interest costs – before you jump into that “too good to be true” deal.
Contract price or your estimated purchase price.
Expected rent based on current market.
E.g. 5% = about 2–3 weeks vacant each year.
Rates, insurance, management, maintenance, body corp, etc.
For example, 80% means the loan is 80% of the purchase price.
Approximate interest rate for this investment loan.
Disclaimer: This calculator is a simplified guide only. It assumes an interest-only loan and high-level expense inputs. Actual cashflow will depend on your full lending structure, tax position, vacancy, maintenance and other factors. Please get personalised advice before relying on these figures.