Check My Eligibility (Borrowing Power)

Get an estimate of what you may be able to borrow, based on income, expenses, deposit, and current debts.

1) Income

Annual income before tax (NZD).

NZD
NZ$
NZ$

2) Expenses & Debts

Monthly living expenses and existing commitments.

NZ$
NZ$
NZ$

Banks may assess a monthly commitment against card limits (we estimate this).

3) Deposit

Your available deposit (cash + KiwiSaver if applicable).

NZ$
NZ$

4) Loan Preferences

Used for estimating repayments and serviceability.

yrs
%

We use a “test rate” to estimate affordability (banks often assess higher than the actual rate).

* This is a general estimate only and does not constitute financial advice or a lending decision.

Estimated Outcome

Borrowing power + affordability snapshot (NZD).

Estimated max loan

—

Based on your affordability inputs

Estimated max property price

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Deposit + max loan

Estimated repayment (test rate)

—

—

Affordability buffer (est.)

—

Income minus expenses & commitments

How we estimate eligibility

  • We estimate net income from your gross income using a simple NZ take-home approximation.
  • We subtract your expenses, loan payments, and an estimated credit-card commitment.
  • We find a “max loan” where the repayment at the test rate fits within your surplus.

Want a real lender assessment?

We’ll compare multiple bank & non-bank lenders to find your best fit.

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