Tools
Affordability Calculator
What a lender is likely to lend you, and what that buys.
Free to use, no account needed. All calculators
Your details
We stress test at 8.10%, like a lender does.
Your result
Indicative borrowing
The lower of the DTI cap and the servicing test
$515,020
Price range you'd be shopping in
Deposit plus borrowing, less upfront costs
$481,801 – $566,825
DTI cap (income × 6)
Servicing is limiting you, not DTI
$720,000
Servicing test cap
$515,020
Upfront costs allowed for
$8,195
Your LVR band
80–90% — expect a low-equity margin on your rate
A Kāinga Ora First Home Loan (5% deposit) is exempt from both LVR and DTI limits, so your number can be higher than this if you qualify.
This is a guide, not advice. Your actual borrowing depends on the lender's assessment of your full situation. Talk to a mortgage adviser before making decisions.