For property owners, in any country

The app where you control and grow all your property wealth

One analyst for every property, every loan and every move open to you. Any country, any currency.

How we handle your details

Occasional updates. Never spam. Unsubscribe anytime.

No bank login
No credit check
Never sold to lenders

Track property anywhere. Full analysis launches in New Zealand first.

Ponsonby, AucklandMatchedMortgage-free 2056

Your figures, in your own money

Addresses anywhere in the world
Your own currency, never converted
Metric or imperial, your choice
Monthly or fortnightly loans
One mortgage-free date across them all

Everything you own,in one place.

You add a property. Kite works the rest out from your own circumstances.

01Add it

Set up in seconds.

Type an address and drop in a loan statement. Kite pins the property, values it, and fills in the balance, rate, term and repayment itself.

Matched to the property from the same document — no ID, no credit check.
Saved to your account, the same on every device

02Your position

Equity, not a loan balance.

Banks show what you owe. Kite shows what's already yours, the year you own it outright, and what the area around it rents for.

Redrawn every time a payment lands
Schools, transport, shops and commute read for you

03Your next move

Every next step, priced.

A second property, short-stay or long-term rent, extra repayments: each modelled on your own loan, with the working shown, and rolled into a full plan written for your situation.

What renting it out does to your mortgage-free date
Healthy Homes steps to make it legally rentable

Fortnightly repayments
Half your monthly repayment, every fortnight
Mortgage-free 2051
5 years sooner
A second home
lending capped at 80% of value
$200,000
usable equity
Enough deposit for about a $665,000 rental at a 30% investor deposit — before debt-to-income limits, which depend on your income.
Short-stay or long-term
$240 a night, 60% booked, against $780/wk long-term
Long-term ahead
by about $130/wk after costs
Net a week: long-term $718/wk after 8% management; short-stay $583/wk after platform fees, cleaning and running costs.

Illustrative inputs: 30% investor deposit; short-stay $240 a night, 60% booked, 15% platform fee, $110 cleaning a stay, 3-night stays, $120/wk furnishing, utilities and insurance; long-term 8% management.

Everywhere you look

Home-screen widgetComing
Installed on your phoneComing
Whole portfolio in your currency
Shares and savings alongside propertyComing

All three land in the same place.

The analyst

It works the whole thing out for you

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.

01
Reads your statement
Balance, rate, when the fixed term ends, the term and the repayment.
02
Works out your position
What's yours, the year you own it outright, the rent and the area.
03
Raises what you didn't ask
The date coming up on your loan, and what each way through it does.

Kite AnalystPonsonby, Auckland

01Reads your statement

Loan statement.pdf

Balance: $600,000
Rate: 5.79% fixed
Fixed until: 15 Dec 2026
Loan term: 30 years
Repayment: $3,517/mo

Matched — address on the statement matches the property.Title checkComing

02Works out your position

Equity: $400,00040% of value owned
Mortgage-free: 2056on the monthly schedule
Rent the area carries: $780/wkcovers 91% of repayments, before costs
Area: 14 minto CBD · Zoned schools · bus 200 m

03Raises what you didn't ask

Your fixed rate rolls off in 75 days.

1-year fix · 5.19%
Mortgage-free2052
2-year fix · 4.99%
Mortgage-free2051
3-year fix · 5.09%
Mortgage-free2052

Each keeps today's $3,517/mo repayment from 15 December 2026, with the new rate held to the end of the loan. Refix rates are illustrative.

Own it outright in 2051 — 5 years sooner on fortnightly.

On today's 5.79%, paying half the monthly repayment every fortnight.

Worked example. Figures from Kite's amortisation engine — illustrative, not advice.

Against what you use now

What you areprobably using.

What Kite does compared with a spreadsheet, a bank app and a broker
Capability	Kite	A spreadsheet	Your bank's app	A broker
Real amortisation, on your actual cycle	Yes	Yes	Yes	Yes
Every property you own, in one place	Yes	Yes	No	Yes
Properties in more than one country	Yes	Yes	No	No
Your mortgage-free date, kept current	Yes	No	No	No
Moves priced against that date	Yes	No	No	Yes
Answers in your own words	Yes	No	No	Yes
The working behind every figure	Yes	Yes	No	No
No bank login, no credit check	Yes	Yes	No	No
Open at midnight, answer in seconds	Yes	Yes	Yes	No

A broker does things Kite does not: they negotiate with lenders, and they are licensed to tell you what to do with your money. Kite is not, and does not.

Trust

Your documents, handled properly.

Read once to fill in your loan details. You confirm every field.
Your original statement is deleted after it's read, unless you choose to keep it.
Stored encrypted, on servers in Australia.
Never used to train AI models.
Never sold to lenders. No bank login, no credit check.
Delete your account and everything in it, anytime.

Questions

Before you sign up.

Does Kite connect to my bank?

No. Kite needs your property's value, your mortgage balance, your rate and your term. Type those four in, or drop in a loan statement and let Kite read them off it. There is no bank login, no open-banking feed and no credit check.

Does Kite work where I live?

Yes. Search an address anywhere in the world and Kite drops the pin, then states every figure in your own currency, locale and units — and runs the loan on the cycle it is actually on, monthly or fortnightly. Nothing in it is fixed to one country.

Will Kite tell me what to do with my money?

No. Kite lays out your own numbers and shows what different choices do to them, with the working on screen. The conclusion is yours: Kite does not tell you what to do with your money, and it does not account for your personal circumstances.

Do I need more than one property?

No. One home is the whole point — most people start with exactly one pin, and the free plan is built for exactly that. The portfolio view and the combined date are simply there when you want them.

Where does my property's value come from?

Kite opens every property at an estimate so there is nothing to look up first, and you overwrite it with the figure you believe in whenever you like. Every projection then states what it assumes.

Is there a desktop app to download?

Kite installs straight from your browser on Windows, macOS, Android and iPhone — its own icon, its own window, and no installer to trust. Once it is on, most of it keeps working with no connection, because your figures are worked out on your own device.

Where is my data kept?

On your device. Your properties and the figures derived from them live in your own browser, which is why there is no bank login to give and nothing for us to sell. Kite is never paid by a lender.

Take control ofwhat you own.

Free to start, one property is enough, and there is no card to enter. Kite opens in whatever country and currency you own in.

How we handle your details