Who we are
Built by Riverhorse Technologies Limited, an Auckland-based company. We are not a bank and we do not lend. We are independent of any single lender.
How the check works
Four short steps, then your estimate:
- About you — buying alone or together, and dependants.
- Income — salary, bonuses, contracting, rental or other income.
- Deposit — savings, KiwiSaver and any gift or grant.
- Commitments — debts and credit limits (we count limits, not balances).
- Your result — a borrowing range and what's holding the number down.
What the estimate is based on
A servicing test rate above today's advertised rates, a living-cost benchmark for your household, your existing repayments and credit limits, and loan-to-value limits.
It's a planning range, not an approval. Only a lender's full assessment gives a binding number.
Not financial advice
Estimates are indicative only and are not personalised financial advice. Speak with a qualified adviser before making a decision.
Get in touch
Email info@howmuchcaniborrow.co.nz.