FREE NZ BORROWING REPORT
How Much Can I Borrow?
Answer a few simple questions and receive a private borrowing report.
How it works
Select one option below
What do you want to check?
Choose the path that best matches your situation. The questions change so we only ask what matters.
NZ borrowing power guide
What the borrowing report considers
General guidance on the factors the private report can assess after you complete the calculator.
What does a NZ borrowing check usually consider?
A proper borrowing check usually considers income, dependants, living costs, credit limits, personal debts, deposit or equity, property details, and the lender rules that may apply.
Why do we ask for details first?
Borrowing estimates are sensitive to small changes in your numbers. The calculator collects the key details first, then keeps the actual range inside the private report flow.
What happens after the report is prepared?
After mobile verification, the report can summarise the figures, assumptions, cautions, and adviser discussion points based on the information submitted.
Choose the right calculator path
Borrowing checks for first homes and refinance decisions
The same calculator changes its questions based on the borrowing decision you are actually trying to make.
Start my borrowing checkCheck deposit, KiwiSaver, low-deposit flags, region, debts, and whether the target price looks realistic before you start making offers.
Review repayments, debt consolidation, fixed-rate expiry, current home value, current mortgage balance, usable equity, and whether a loan review is worth discussing.
General guidance
Mortgage borrowing calculator FAQs
Is this calculator financial advice?
No. It is general information only. A lender or adviser still needs to verify your full situation before you make borrowing decisions.
Does the report include lender names?
No. It frames likely checks, pressure points, and next steps without pretending to recommend a specific lender from incomplete information.
Why does the calculator ask about credit-card limits?
Credit limits can affect serviceability, so the private report flow asks for them before preparing the estimate.
Can investors or next-home buyers use it?
Not in the current public flow. First-home buyer and refinance reports are being validated first, then the other pathways can be expanded when ready.