Borrowing Power Calculator
Estimate what you may be able to borrow based on your income, expenses, deposit, and current debts.
Check My Eligibility (Borrowing Power)
Estimate what you may be able to borrow based on income, expenses, deposit, and current debts.
Income
Annual income before tax (NZD).
Expenses & Debts
Monthly living expenses and existing commitments.
Banks assess an estimated monthly commitment against card limits (~3% of limit).
Deposit
Your available deposit (cash + KiwiSaver if applicable).
Loan Preferences
Used for estimating repayments and serviceability.
Banks assess affordability at a higher "test rate" than the actual rate.
* General estimate only. Does not constitute financial advice or a lending decision.
Estimated Outcome
Borrowing power + affordability snapshot (NZD).
Estimated max loan
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Based on your affordability
Est. max property price
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Deposit + max loan
Est. repayment (test rate)
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Affordability buffer
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Income minus all commitments
How we estimate eligibility
- We approximate net income from your gross using simplified NZ PAYE brackets.
- We subtract expenses, loan payments, and an estimated credit-card commitment.
- We find a max loan where the repayment at the test rate fits within 70% of your monthly surplus.
Want a real lender assessment?
We'll compare multiple bank & non-bank lenders to find your best fit.
Calculator Disclaimer: Results are indicative estimates only and are not a quote or pre-approval. Figures are based on the information you provide and current market rates. Contact an AML Home Loans adviser for accurate advice tailored to your situation.
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Open CalculatorWant a Precise Answer?
Our advisers can give you an accurate borrowing estimate tailored to your situation — for free.