Guides to borrowing for a home
Plain English guides to how much you can borrow in New Zealand, with every figure worked out by the same engine as the calculators.
Our guides are being written and checked. In the meantime, every calculator explains its working underneath the result.
More calculators
Other borrowing questions
Deposit calculator
Deposit at 5%, 10%, 20% and 30%, with KiwiSaver.
Open →Debt-to-income
Your DTI ratio and the largest loan under the limit.
Open →First home buyer
Deposit, KiwiSaver and First Home Loan in one plan.
Open →Buying costs
Lawyer, LIM, inspection, valuation and premiums.
Open →Investor borrowing
Rent counted at 75%, a 30% deposit and a DTI of 7.
Open →Test rates
Each bank’s test rate, dated, and what it means.
Open →