Simpler.
Simplifying your home loan
Borrowing Power

How much could you borrow?

A quick estimate based on your income, your debts and your deposit. Start typing to see your range.

0

Lenders assume a bigger household spends more, so this changes your number.

Car loans, personal loans, hire purchase. Leave credit cards out, they go in the next field.

Your total limit, not your balance. Lenders assess the whole limit even if you clear it every month.

You could borrow somewhere between
$0
Up to $0 purchase price with your deposit

Let's work this one out together

On these numbers a calculator will not tell you anything useful. There is usually more room than a first pass suggests, and it is worth a proper look.

Estimated repayments $0 / mo
That's roughly $0 / wk

Enter your details to see your number.

Income after tax and KiwiSaver$0
Living costs, lender benchmark$0
Debts and card limits$0
Left for a mortgage$0
Talk to an adviser about your real number

This is an estimate. Sebastian will confirm your real number on a call.

These numbers are an estimate, not financial advice or an offer of finance. Every lender assesses income, expenses and debts differently, so your real number will vary.