Run the numbers before anyone runs them for you.
Four free tools that answer the questions a bank makes you book a meeting to ask. Instant, no email, and nothing you type is shared with a lender.
No credit check · takes about 60 seconds
Start with the question you actually have.
How much could I borrow?
Income, deposit and KiwiSaver against real servicing rules — including which of the two is actually holding you back.
Work out my borrowing power →What if I paid more?
Your minimum, then what happens above it — how many years come off the term, and how much interest you never pay.
Play with my repayments →Would a rental pay for itself?
What a rental would leave you each week once the mortgage, rates, insurance and management are out.
Run the numbers →Should I refix or move?
Your saving against the real cost of moving — break fee, legal, cash contribution and clawback, netted off.
See what I'd save →Every one of these is free.
No email, no sign-up, no credit check. The number appears as you type and nothing you enter is shared with a lender.
They're estimates, not approvals — every lender assesses differently, and those differences are exactly why it's worth having someone who knows all twelve.
What a calculator can and can't tell you.
How accurate are these?
They use the same shape of servicing test a bank does — income, less living costs, less commitments, stress-tested at a rate well above the carded one. What they can't know is a particular lender's policy on your particular situation, which is where the real differences are.
Why is the test rate higher than the advertised rate?
Lenders check the loan still works if rates rise, so they assess at roughly 2.5–3% above the rate you'd actually pay. It's why your borrowing power is lower than a repayment calculator might suggest.
Do you keep what I type in?
No. These run entirely in your browser. Nothing is submitted, stored or shared unless you choose to book a call.
My bank's calculator gave a different number.
Almost certainly — they're modelling their own policy, and we're being deliberately conservative. Two lenders can differ by six figures on the same application, which is the whole reason brokers exist.
A number is a start. A plan is better.
Fifteen minutes and we'll tell you what your position actually gets you — across all twelve lenders, not just the one you bank with.
Phone or in person · 100B Moorhouse Ave