Borrowing Calculator

How Much Can You Borrow ?

Estimate your maximum borrowing capacity based on your income, expenses, and deposit. Uses current NZ bank rates.

Application Type

Income

$
$

Rental income, benefits, investments, etc.

0

Expenses & Debts

$

Rent, groceries, utilities, transport, insurance, etc.

$

Personal loans, car loans, student loans, credit cards, etc.

Your Deposit

$
$0$1M

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You could borrow up to

$0

based on your income and expenses

Est. monthly repayment

NZ$2,924

at 4.59% p.a.

Max property value

NZ$670,982

with NZ$100,000 deposit

Loan-to-Value Ratio (LVR)

85%
0%60%80%100%

Your LVR exceeds 80%. You may face low-equity premiums or stricter lending criteria. Consider increasing your deposit.

Monthly Budget Breakdown

Gross monthly incomeNZ$8,333
Living expenses−NZ$2,000
Dependant costs−NZ$0
Existing loan repayments−NZ$0

Calculations use a stress-test rate of 7.09% (current rate + 2.5%) to ensure affordability if rates rise.

Current Special Rates by Bank

Bank6m1yr18m2yr3yr5yr
ANZ
ANZ
—
Kiwibank
Kiwibank
—
Westpac
Westpac

Rates sourced from major NZ banks. Special rates shown; click any rate to use it in your calculation.

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*This calculator provides estimates only and does not constitute financial advice. Actual borrowing capacity will depend on your individual circumstances.