Calculators
What could you borrow?
Get a realistic borrowing range and see what your repayments might be. No sign-up, no catch.
Borrowing range
A range, not a single number, because every lender assesses you a little differently.
You could borrow roughly
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- Price range with your deposit
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- Repayments lenders test you on
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- Your deposit
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Repayments
See how the loan amount, rate and term change what you pay.
Your repayment
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- Total interest
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- Total repaid
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How the borrowing range works
Lenders check whether you could still afford repayments if rates went up. To reflect this, we:
- estimate your take-home pay using current NZ tax rates and the ACC levy
- take off your expenses and other debts, and keep a 10% buffer
- test the result at interest rates of 7% and 8.5% over 30 years
- cap the top of the range at about six times your household income, the limit most lending must stay under
Get personalised advice
Every lender works these numbers differently. We'll tell you which lenders suit you, and how to improve your position.
Book a free chatThese calculators give estimates only and are not financial advice. Results assume a constant interest rate and don't include fees, KiwiSaver contributions, student loan repayments or every lender's criteria. Talk to us for advice based on your situation.