Borrowing Power Calculator

How Much Can I
Borrow in NZ?

Enter your income, living expenses, and any existing debt to get an estimate of your maximum borrowing capacity.

Borrowing Power

All figures are annual unless noted

Annual Gross Income (Applicant 1)

Annual Gross Income (Applicant 2 — optional)

Monthly Living Expenses

Monthly Debt Repayments (car, credit cards, etc)

Number of Dependants

Maximum Borrowing

~$520,000

Indicative estimate only

Estimated Property Price~$650,000

Required Deposit (20%)~$130,000

Est. Weekly Repayment~$736/wk

Estimate only. Actual borrowing capacity assessed by lenders based on full financial information. Speak to a Finch adviser for a precise figure.

Base salary, bonuses, rental income, and self-employment income all factor in.

Living costs, credit card limits (not just balances), and existing loan repayments reduce your capacity.

A clean credit file ensures lenders offer you their best rates and maximum borrowing.

A larger deposit means lower LVR, which unlocks better rates and higher loan amounts.

Finch can give you a lender-specific borrowing limit in 24 hours — accurate to the dollar.