See how much you may be able to borrow based on your income, expenses and available deposit — calculated using NZ bank stress-test rules.
How many of you are buying the property?
How many children / dependents do you have?
Do you have another source of income?
Do you have any personal or vehicle loans?
Do you have any credit cards?
Banks assess the full limit, not just the balance owed.
Disclaimer: This calculator provides estimates based on NZ bank stress-test methodology (6.7% test rate, RBNZ DTI cap of 6×, Auckland HEM living cost benchmarks). Results are indicative only and do not constitute financial advice or a lending commitment. Actual borrowing capacity will depend on your lender, credit history, and individual circumstances. Contact a Fundmaster Wealth adviser for personalised guidance.
Based on 6.7% stress-test rate · RBNZ 6× DTI cap · Auckland HEM living costs
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