See what the full borrowing report includes
This sample is generated from the same report renderer used for the private emailed report, so the public preview stays aligned with the latest layout.
Your personalised borrowing report
Reference
HMCIB-SAMPLE
Prepared for Sample Borrower · First home buyer · built from the information submitted through the private report flow.
At a glance
- •Your indicative range is $520,000 – $640,000, with $580,000 used as the assessed borrowing figure for examples.
- •The current-rate repayment example is $3,360 per month, or about $775 per week.
- •The calculation recognises $92,000 usable deposit and $0 usable equity from the submitted information.
- •Main policy pressure point: Deposit and LVR settings may be the main constraint at the target price..
Sections included
Decision snapshotRepayment scenariosSupport checksNext stepsDocuments
Decision snapshot
First home report for Sample Borrower
Your target is $700,000 - your current buying power is $700,000. That's Exactly on target. An adviser can help lock in the useful levers before you rely on it.
Deposit build-up
Buyer context
- Target price$700,000
- Region/addressTauranga
- Household income$190,000
- Monthly debts$540
Support checks
FHL income cap: $190,000 / $150,000Regional cap: $700,000 / $650,000Residency: qualifiedSupport result: Unlikely
For a $700,000 purchase, 10% = $70,000. Your deposit pool covers about 13%.
Page 2 · Adviser conversation
What to check next
Keep this page handy when talking with NZMAI or an affiliated adviser.Stress-test examples
Estimated Repayments
Repayments are shown at lower, current indicative, and higher interest-rate scenarios using the assessed borrowing figure.
- Lower-rate monthly
- $3,120 5.99% · approx. $720/week
- Current-rate monthly
- $3,360 6.65% · assessed borrowing scenario
- Higher-rate monthly
- $3,760 7.99% · stress view
| Scenario | Rate used | Monthly | Approx. weekly |
|---|---|---|---|
| Lower rate scenario | 5.99% | $3,120 | $720 |
| Current indicative | 6.65% | $3,360 | $775 |
| Higher rate scenario | 7.99% | $3,760 | $868 |
The higher-rate scenario is useful because lenders assess resilience, not just today's advertised repayment.
Low-deposit and KiwiSaver context
First Home Buyer Support
First-home support can materially change the conversation, but eligibility depends on current criteria and lender participation.
- Support result
- Unlikely Based on income, regional cap and residency indicators supplied
- 10% deposit check
- 13% of purchase basis 10% = $70,000; deposit pool = $92,000
- Deposit cover of 10% target
- 131% 10% target = $70,000
- Recommended low
- $625,000 Recommended target band
- Low-deposit support has been surfaced because interest was indicated in the form.
- KiwiSaver has been treated as expected-withdrawable, less a retained $1,000 balance where supplied. Actual eligibility still needs confirmation, including current first-home withdrawal rules and membership history.
- Low-deposit support needs current eligibility checks, including income, house price, deposit, lender participation, and current programme settings.
Practical action plan
Recommended Next Steps
Confirm income, debts, deposit evidence, and low-deposit eligibility before relying on the number.
- Check the numbers in this report against actual income, debts, expenses, and deposit/equity evidence.
- Review whether credit card limits of $12,000 are still needed, because limits can reduce borrowing even when balances are low.
- A callback preference has been captured. Use that conversation to verify documents and policy fit.
- Do not treat this as approval; lender assessment and licensed advice are still required before making decisions.
Prepare for a real application
Documents Likely Required
A full application usually becomes faster when the core documents are ready before the adviser or lender asks for them.
- Identity: passport or driver licence, plus proof of address.
- Income: recent payslips, employment contract, and IRD income summary if requested.
- Banking: recent bank statements and transaction history showing income, expenses, and conduct.
- Debts: loan statements, credit card limits, BNPL/overdraft details, and repayment amounts.
How to use this report
NZMAI Contact
Use this report as a structured starting point for a no-obligation conversation with NZMAI or an affiliated adviser.
- Website
- howmuchcaniborrow.co.nz
- Report reference
- HMCIB-SAMPLE
- Callback
- Morning
- Keep this report reference handy if you speak with an adviser.
- Questions, feedback, feature ideas, or report suggestions can be sent to hmcib@nzmai.co.nz.