Calculators

Loan Calculator

Are you wondering what your repayments will be? Use this calculator to find out what your repayments will be across different rates and terms.

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Repayments Calculator

Use this calculator to understand the impact of making additional repayments on your loan.

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Mortgage Calculator

How much can you borrow?

Enter your details for an instant estimate.

Applicant Setup

Single Applicant

Joint Application

Annual Gross Income ($) Your total salary before tax

Number of Dependants Children under 18

Total Deposit ($) Include Savings, KiwiSaver, and Gifted Equity

Monthly Commitments

Other Loan Repayments ($) Combined monthly payments for Car, Student, or Personal loans

Credit Card Limits ($) The bank tests 3% of your total limits (not balance)

Overdraft Limits ($) Total combined limit available to you

Interest Rate

Repayment Interest Rate (%) Adjust to see how different rates affect your repayments

Your Results

Max Purchase Price

Max Loan Amount

Est. Monthly Repayment

at 4.5% interest rate

Summary

Deposit $0

Monthly Surplus $0

Loan-to-Value Ratio 0%

Important: This tool is a guide only. Banks calculate borrowing power using higher "stress-test" interest rates. we may also be able to include flatmate or boarder income in some situations or advise you to repay existing debt. For a formal pre-approval, we need to assess your full situation.

Calculators

Loan Calculator

Repayments Calculator

Mortgage Calculator

How much can you borrow?

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