Know your number before you raise your hand.
What you could borrow, what that buys, and which of the two — deposit or income — is actually holding you back.
Free · instant · no credit check
buying up to $913,000 with KiwiSaver counted, about 5.1x their income
Your own numbers will differ. That's what the calculator below is for.
What could you actually borrow?
The same estimate as the homepage, with the parts that move it most — who's in the household, what you already owe, and the credit limits lenders count whether you use them or not.
What lenders count that people don't expect.
Why does my credit card limit matter if I don't use it?
Lenders assess the limit as if it were fully drawn, because you could draw it tomorrow. A $20,000 limit costs roughly $74,000 of borrowing power at a zero balance. Reducing or closing unused limits before you apply is the fastest lift available to most people.
Can I use my KiwiSaver as the deposit?
If it's your first home and you've contributed for three years, you can withdraw everything except $1,000. For most first home buyers that withdrawal is the majority of the deposit — and it's routinely left out of their own estimate.
Why is this lower than my bank's calculator?
We assess conservatively on purpose. A number that disappoints at application costs far more than one that surprises upward, and lenders vary enormously — two can differ by six figures on the same application.
Does being self-employed change this?
It changes which lenders will look at you far more than it changes the arithmetic. Some want two years of accounts, others accept one, and a few will work from management figures. That's a conversation rather than a calculator field.
The number is the easy part.
Which lender says yes to your particular situation is the hard part, and it's the part we do. Fifteen minutes, no cost, no obligation.
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