See where you stand — before you talk to a bank.
Answer a few quick questions and get an indicative picture of what you could borrow, what's holding your number back, and what could move it. Let's make it happen.
This is an estimate based on what you tell us — it isn't a loan approval or financial advice.
What are you looking to do?
Your deposit
Everything you could put toward the purchase.
First-home buyers can usually withdraw most of their KiwiSaver balance (leaving $1,000 in).
Expected sale price, minus your current loan and selling costs.
Rough guide: 80% of your home's value, minus what you owe on it.
Your income
Before-tax salary or wages, per year.
Boarder income, existing rentals, regular overtime, allowances.
Spending and debts
Banks look closely at these, so an honest estimate gives you a truer picture.
Food, power, transport, insurance, kids, subscriptions — everything except rent and debt repayments. Not sure? Leave it blank and we'll use a typical figure.
Banks count the limit, not the balance — even if you pay it off every month.
What's setting your number
Lenders check three things. Your number is set by whichever is lowest.
What could change your position
The assumptions we've used
Want a real answer, not just an estimate?
Every bank assesses differently. Send this through and we'll look at which lenders suit your situation — free, and no obligation.
Thanks — we've got it.
We'll be in touch shortly to talk through your options.
Indicative only, based on the information you provide and general lending settings. It isn't a loan approval, a credit assessment or financial advice. Lenders' criteria, rates and fees vary and change. Financial advice is provided by Zeal Mortgages Limited (FSP1007742). Our disclosure statement is available on request.