Check Your Financial Readiness Score in Minutes for Mortgages, Insurance and KiwiSaver.

Mortgage Borrowing Power Calculator

Get an indicative estimate of how much you may be able to borrow, your possible property budget and the repayments that could follow.

Instant estimate NZ-focused inputs No data stored

Step 1

Tell us about your monthly position

Use after-tax income from your payslip or regular business drawings. Results update automatically.

Household take-home income per month

After tax, KiwiSaver and student-loan deductions.

Other regular income per month

For example, boarder, rental or regular allowance income.

Available deposit or equity

Living expenses per month

Include food, utilities, transport, childcare and regular household costs.

Existing debt repayments per month

Personal loans, car finance, buy-now-pay-later and other commitments.

Total credit-card limits

The full limits, not only current balances.

Monthly safety buffer to keep

A personal margin you do not want committed to mortgage repayments.

Assessment assumptions

Assessment rate

Loan term

years

Indicative repayment rate

Step 2

Your indicative estimate

This is a starting point. Individual lenders apply different income, expense and servicing rules.

Estimated borrowing power $0

Indicative only, not a loan offer or pre-approval.

Available repayment capacity 0%

Estimated property budget $0

Indicative monthly repayment $0

Amount available for a new mortgage $0

Indicative lender range $0–$0

Monthly affordability snapshot

Recognised income

Expenses and commitments

Available for mortgage

Calculation uses your take-home income, recognises 80% of other income, applies an indicative monthly commitment equal to 3% of total credit-card limits, and deducts your nominated safety buffer. Lenders may treat every item differently.

Turn your estimate into a lender-ready plan

A calculator cannot assess every lender’s policy, your employment type, deposit source or full financial story. Let Advisenow compare the options and help you prepare for pre-approval.

Call or text 028 8520 0500 pamela@advisenow.co.nz

Check my real borrowing power Personalised guidance from a licensed financial adviser

This calculator provides an indicative estimate for general information only. It is not personalised financial advice, a loan offer, pre-approval or a guarantee that any lender will approve an application. Actual borrowing capacity depends on lender policy, verified income, household composition, expenses, debts, credit history, deposit, property type, interest-rate testing and other factors. Other income is shaded to 80% and credit-card limits are assessed at 3% per month solely for this calculator. Results may differ materially from lender calculations. Consider personalised advice before making financial decisions. Zigi Financial Services Limited trading as Advisenow, FSP1007853.

FAQ

Frequently asked questions

Mortgage

Does submitting this form affect my credit score?

No. Getting a quote is a soft inquiry only and will never impact your credit score. A hard pull only happens if you proceed with a formal application.

What types of loans do you offer?

We work with construction loans, refinances, first home loans, refix, investment loan, and conventional mortgages.

Do you work with first-time homebuyers?

Absolutely. We explain the entire process and help you understand every program you may qualify for.

Insurance

Do I need to switch providers to get a quote?

No. Getting a quote is completely free and non-binding. We compare options and you decide what's right for you.

Can I bundle my insurance?

Yes, and we strongly recommend it. Bundling with the same provider typically saves you money on the policies.

What if I am also getting a mortgage?

Great news - we can handle both. We will coordinate your mortgage and insurance together to make sure you are fully covered at close.

Licensed Financial Adviser supporting Kiwis across New Zealand to secure the right home loan and protect their future with tailored insurance solutions.

Home Loan Products

Resources

Company

Zigi Financial Services Limited (Owners of Advisenow) | FSP Registration No. FSP1007853 | Financial Advice Provider licensed under the Financial Markets Conduct Act 2013. We are members of the Kiwi Advisers Network (KAN). Our advisers are registered on the Financial Service Providers Register (FSPR). This website contains general information only and does not constitute personalised financial advice. Lending criteria, terms, conditions, and fees apply. Interest rates are subject to change. All figures are in New Zealand dollars (NZD). Credit subject to assessment.