About Home Loan Calculator NZ
A free tool for one question: how much can I borrow? Built and run by Crucible, an independent New Zealand company.
How the numbers are checked
The rules come from the Reserve Bank’s LVR and DTI settings as reported, bank pages, Kāinga Ora and HUD, IRD and the credit regulations. Every rule is in a research file with its source and date, and anything resting on one source is marked UNVERIFIED.
Before any change goes live, the engine runs every test case and must pass. You can see each test and its result on our how we calculate page.
Independent
We are not a bank, a lender or a broker, and no bank pays us. We list every big bank alphabetically and default to their average.
Who runs it
Home Loan Calculator NZ is a product of Crucible, the company behind Calculate.co.nz, New Zealand’s largest free calculator site. For wider money questions, try Calculate.co.nz.
This site gives general information, not financial advice, and never promises a loan. Banks decide: check with a bank or a mortgage adviser before you make an offer.
Rules in use
- DTI: 6 / 7
- LVR: 80% / 70%
- Serviceability limit: 6.94% (ANZ 6.85%, ASB 6.85%, BNZ 7.10%, Kiwibank 6.95%, Westpac 6.95%)
- First Home Loan: 5%, 1.2%
Advertised rates as at 10 November 2026. Test rates confirmed 13 July 2026. Rules checked 10 November 2026.