How much can I borrow?
Get a rough idea of how much a bank might lend you, based on your income, living costs, debts and deposit.
How much you can borrow depends mainly on your income, living costs, other debts and deposit. Banks also check you could still afford repayments at a higher test interest rate. This calculator gives a rough guide only; a mortgage adviser can check what different lenders would actually lend you.
How much could I borrow?
A quick estimate of what a bank might lend you, based on your income, expenses and deposit. Lenders all work a little differently, so treat this as a starting point.
| Deposit | – |
| Deposit as % of price | – |
| Repayments at your rate | – |
| What sets the limit | – |
This calculator gives a rough estimate only. It isn’t a lending offer, pre-approval or financial advice. It uses 2026/27 tax rates, an approximate ACC levy, typical bank living-cost minimums, credit cards counted at 3% of the limit a month, and the Reserve Bank’s debt-to-income limit of 6 times income for most owner-occupier lending. Each lender has its own rules, and your result could be higher or lower. Talk to a Moneyplant mortgage adviser for a proper assessment. Moneyplant Financial Services Ltd (FSP1005259).
Want a figure you can rely on?
A calculator is a great start. Our Papakura mortgage advisers can tell you what lenders would actually offer you, at no cost for most clients.
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