There is no transfer tax at all
New Zealand exempted dwellings from conveyance duty in 1988, and the Stamp Duty Abolition Act 1999 removed what was left from 21 May 1999. Nothing has replaced either. That makes it the only country in this calculator where the transfer-tax line is genuinely zero, and it is the reason total buying costs come to around 0.6% of the price (solicitor, a LIM report and a builder's report) against 8% or more in Germany, France or Spain.
The consequence is worth stating plainly: in New Zealand the deposit really is most of the cash you need. Almost everywhere else the completion costs are a second, smaller deposit that catches buyers out.
A low-equity premium, charged as a margin rather than a premium
There is no mortgage insurance here either. A lender facing a small deposit charges a low-equity premium, which is a margin added to the interest rate rather than a separate policy, so it shows up in the rate you are quoted and not as a line item. Set the interest rate on this page a little higher when modelling a purchase above 80% loan-to-value and the result will be closer to the truth.
Reserve Bank loan-to-value restrictions cap how much high-LVR lending banks may write at all, so above 80% the question is often whether a bank will lend rather than at what price.
Council rates are a flat annual charge set by each council, and a body corporate levy on an apartment or unit is separate again.