01
Answer the basics
Tell us about your goal and current financial position.
Indicative borrowing position
See your indicative borrowing position
Answer a few straightforward questions to explore how much you could potentially borrow.
In summary
This page is about how much you could potentially borrow for a home in New Zealand. A few straightforward questions about income, living costs and other debt produce an indicative borrowing range with the assumptions shown. It is an estimate, not a lender decision.
Estimate my borrowing power About 3 minutes · no commitment
What you’ll get
An indicative borrowing range with assumptions clearly explained.
Useful value before contact details
Assumptions shown clearly
You choose whether an adviser follows up
Simple by design
A better place to start
This is a lightweight assessment, not a long mortgage application. We ask one clear question at a time and explain what the result means.
02
See an indication
Get a transparent demonstration result with its assumptions.
03
Choose the next step
Only request adviser follow-up if it would be useful to you.
Frequently asked questions
- How do lenders work out how much I can borrow?
- Lenders take your income, subtract living costs and other debt repayments, and test whether you could still afford repayments at a test rate typically two to three percent above the advertised rate.
- Does my credit card limit affect how much I can borrow?
- Yes. Lenders usually count a percentage of your card and overdraft limits as a commitment, whether or not you use them.
- Is this financial advice?
- No. Everything on this site is indicative, general information only. Figures are estimates based on the details you provide and publicly available or supplied rate information, and are not guaranteed. If you need advice, speak with an appropriately licensed financial adviser.
- Will anyone contact me?
- Only if you ask us to. At the end of the calculator you choose whether you would like a mortgage adviser to get in touch, or whether we simply keep your details and let you know later if your position is worth revisiting.
Indicative, not an approval
Your result is a starting point and does not represent a lender decision.
Clear use of your details
We explain consent before any adviser follow-up is requested.
Built for New Zealand
Questions and language are designed around New Zealand mortgage conversations.