Lending Tools

Run the numbers yourself

Four free calculators to help you understand your position before you sit down with a lender — or us. Use them in order for a complete picture, or jump to the one you need right now.

Suggested order — use all four for the complete picture

1

Borrowing Power

What's my limit?

2

House Deposit

How close am I?

3

LVR & DTI

What do my ratios look like?

4

Repayments

What will I actually pay?

1

Start here

Borrowing Power

How much can I actually borrow?

Enter your income, expenses, and existing debts. We calculate your maximum loan using both servicing capacity and DTI limits — showing you which one bites first and by how much.

You'll need

Combined household income (annual)
Monthly living expenses
Any existing debt balances
2

After borrowing power

House Deposit

How close am I to my deposit target?

Enter your target property price and current savings. We calculate how much deposit you need, factor in KiwiSaver, and show you exactly how long it will take to reach the gap at your current savings rate.

You'll need

Target property price
Current savings balance
KiwiSaver balance (optional)
3

Know your ratios

LVR & DTI

What do my key lending ratios look like?

Enter your property value, deposit, debts, and income. We calculate your LVR (what lending threshold you're in) and DTI (how close to the RBNZ limit you are) — both in real time with colour-coded results.

You'll need

Property value & deposit amount
All debt balances (car, cards, personal)
Combined household income
4

The final number

Repayment Calculator

What will my mortgage actually cost each week?

Enter your loan amount, interest rate, and term. Get weekly, fortnightly, and monthly repayment amounts — plus total interest paid over the life of the loan and tips for paying it off faster.

You'll need

Loan amount
Expected interest rate
Loan term (years)

Which one first?

It depends on where you are in the journey

Not everyone starts from the same place. Here are the two most common paths — pick the one that fits your situation.

Path A — "I don't have a property yet"

Start by figuring out your budget — then work out how much deposit you need to hit it.

1 Borrowing Power — set your ceiling 2 Deposit — see how long until you're ready 3 LVR & DTI — check your ratios 4 Repayments — what will you actually pay?

Path B — "I have a property in mind"

Start with the property numbers — check your ratios immediately, then see what repayments would look like.

1 LVR & DTI — run the ratios on this property 2 Repayments — model weekly and monthly costs 3 Borrowing Power — confirm you qualify 4 Talk to us — get a real pre-approval

A word on these numbers

These calculators give you an informed starting point — not a guarantee. Every bank has its own assessment criteria. Your credit history, employment type, number of dependants, and the specific property all affect the outcome.

The best use of these tools is to arrive at a conversation with us knowing your approximate range — so we spend the meeting on strategy, not basic maths.

Book a free chat →
Want the full explanation of what LVR and DTI actually mean? Read the full explainer →

Numbers looking good? Let's make it real.

We'll run a full assessment across the whole market and give you a pre-approval that actually means something.