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Borrowing Power Estimator
A rough indication of how much you might be able to borrow. Banks apply a full credit assessment including expenses, credit history, and loan structure. This is a starting point, not a pre-approval.
Combined income if buying with a partner
Car loans, credit cards, personal loans
Including KiwiSaver and gifted funds
Banks stress-test at this rate +2%
Estimated Max Loan
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Estimated Max Purchase Price
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Monthly repayments at —% on this loan: approximately —/month (P&I, 30 years). Banks assess your full financial position before making a lending decision.
Based on the details entered, your existing debt repayments may significantly reduce your borrowing capacity. An adviser can help identify the right lender and structure, including whether consolidating existing debts first would improve your position.
Talk to an AdviserWhere to go from here
How banks actually assess borrowing capacity
Stress-test rate
Banks assess your ability to repay at a rate typically 2% above the current rate, to ensure you could handle future rate rises.
Debt-to-income limits
Since 2024, the RBNZ limits how much banks can lend above 6x income (owner-occupiers) or 7x income (investors).
Existing debts
Credit card limits, car loans, and other debt reduce your borrowing power. Even unused credit card limits are counted at a portion.
Living expenses
Banks use benchmark living expenses (HEM or similar) and compare them to your actual declared expenses, using whichever is higher.
Want to know your actual borrowing power?
We run proper serviceability calculations across 20+ lenders and come back with real numbers, not estimates.
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