Kite works your whole position out for you — your loans, the equity that's actually yours, and every move open to you on your own circumstances, costed before you ask. A second property, short-stay versus long-term, an extra $50 a week.
One email when it opens. No spam, ever.
What Kite does
You add a property. Kite works the rest out from your own circumstances — and one analyst holds all of it at once.
Type an address. It lands on the globe already valued — Kite opens every property at an estimate, so there is nothing to look up first. Your own figure replaces it the moment you have one.
Any address Kite can find, anywhere in the world.
Banks show what you owe. Kite shows the share that's already yours, and how fast it's growing.
Redrawn every time a payment lands.
A second property, long-term rent or short-stay, extra repayments — each modelled on your actual numbers, with the working shown.
Every assumption on screen beside the result.
All three land in the same place.
Everything above feeds one analyst — the properties on the map, the equity behind them, every move priced on your own circumstances. It reads the ground around the property too: schools, transport, the commute. And it keeps all of it: every property, every figure, every answer it has given you, in one place it picks back up from. You assemble none of it. You ask.
Every figure it quotes carries the working that produced it.
One worked example, drawn by the same engine the app runs. Switch the plan and every figure moves with it.
The standard schedule — twelve payments a year, the way most loans are set up.
Each payment
$3,047.81
a month
Mortgage-free in
30 yrs
from $520,000 owing
Interest paid
$577,207
over the whole loan
Saved vs monthly
—
the baseline plan
Worked example: a $850,000 home with a $520,000 mortgage at 5.79% over 30 years. Figures come from Kite's own amortisation engine and assume the rate and the property's value hold — every dollar of equity here is mortgage paid down, not market movement. An illustration only.
| From now | Equity | Mortgage |
|---|---|---|
| Today | $330,000 | $520,000 |
| 5 yrs | $367,391 | $482,609 |
| 10 yrs | $417,301 | $432,699 |
| 15 yrs | $483,922 | $366,078 |
| 20 yrs | $572,851 | $277,149 |
| 25 yrs | $691,555 | $158,445 |
| 30 yrs | $850,000 | $0 |
Illustrative figures.
We verify the property, not you. No government ID, no credit pull. Your wealth stays yours to see.
No bank login. Kite never asks for your online banking. The loan numbers come from you — typed in, or read off a statement you upload.
No credit pull. Nothing here touches your credit file. There is no application to make, so there is no search to leave behind.
No government ID. A property is confirmed from its own title and your loan documents. Who is looking at the page stays out of it.
How it works
Type an address and Kite finds it — then opens it at an estimated value, so a property is on your globe in seconds with nothing to look up. Drop in a loan statement and the rest prefills itself: balance, rate, term, repayment. Every estimate is yours to overwrite the moment you have the real figure.
Real amortisation, run the way your loan actually runs: fortnightly as 26 half-payments, not a monthly figure divided in two. Equity, the full schedule, and the month the mortgage ends.
A second property, short-stay against long-term rent, an extra repayment. Kite prices each one against your own numbers and shows what it does to the date — the working on screen beside it.
What's included
Kite launches complete. Everything below is part of the product from the first day you open it — there is no phase two, and nothing here is waiting on a later update.
Nothing typed off a bank statement, and nothing asked of you that the property cannot answer.
Not a chatbot bolted on the side. Something that knows your position and reads the ground around it.
The half of a property decision a mortgage calculator cannot reach.
Your position, without opening anything.
That is the whole product. It opens in Aotearoa first.
Join the waitlistPrivacy
Kite confirms a property from its own title and your loan documents — no government ID, no credit pull, no bank login. Your numbers are yours to see, and they are never sold, brokered or handed to a lender.
Why Kite
Kite started as a spreadsheet built for one family — a model showing what paying a little more each week would actually do to their mortgage. They had heard it all before. Seeing it is what made them act.
Kite is that model, built for everyone else.
Kite — to see, to perceive.
Straight answers
No. Kite needs your property's value, your mortgage balance, your rate and your term — you can type those four numbers in, or drop in a loan statement and let Kite read them off it. Either way there is no bank login, no open-banking feed and no credit check.
No. Kite lays out your own numbers and shows what different choices do to them — the working is always on screen, and the conclusion is yours. It is not financial advice and does not account for your personal circumstances. More on where we draw that line.
You set it. Kite doesn't pretend to know what your home is worth — you enter the figure you believe in and update it whenever you like. Every projection then says out loud what it assumes.
No. One home is the whole point — most people start with exactly one pin on the globe. The portfolio view, the combined freedom date and the next-property scenario are simply there when you want them.
Kite hasn't launched yet, so there is nothing to pay and nothing to cancel. The waitlist hears about pricing before anyone else does.
It's built in Aotearoa and launching here first — NZ addresses, NZD, and the way Kiwi mortgages actually behave, fortnightly acceleration included. Other countries follow.
Early access
Kite opens in Aotearoa first. Join the waitlist to hear when it does — and to hear about pricing before anyone else.
One email when it opens. No spam, ever.