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Find Out How Much You Could Borrow for Your New Home

Quick, easy, and free – get an instant estimate of your borrowing power and take the first step towards your dream property in New Zealand.
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How It Works

  1. Enter your income, savings, and property goals in our simple form.

  2. Our calculator estimates the maximum amount you may be able to borrow based on NZ lender rules.

  3. Get an instant estimate with clear figures on your potential loan, property budget, LVR, and DTI.

Supporting points:

  • Takes less than 3 minutes to complete
  • Works for single or co-applicants
  • Fully confidential and secure
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Why This Calculator is Useful

  • Understand what you can realistically afford before looking at properties

  • Save time by focusing on homes within your budget

  • Get a clearer picture of your deposit and borrowing options

  • Receive personalized advice from a licensed NZ mortgage broker

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Important Information

This calculator provides an estimate only. Actual borrowing capacity depends on your full financial situation and lender requirements. Using this calculator does not constitute lending approval.

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Common Questions

How accurate is the borrowing estimate?

The calculator gives a ballpark figure based on typical NZ lender criteria. Final approval depends on your full financial profile.

Can I use this if I have a co-applicant?

Yes! You can enter your partner or co-borrower details to get a combined estimate.

Is my information safe?

Absolutely. All information submitted is confidential and will only be used to provide your estimate or follow-up advice.

Luminate Financial Group
Important Information
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Luminate Financial Group Limited (FSP765531) is a licensed Financial Advice Provider (Class 2 FAP), authorised to provide regulated advice on home loans, commercial and business lending, and specialist finance.

Luminate Finance Limited (FSP449126) is registered under the Financial Service Providers (Registration and Dispute Resolution) Act 2008 to provide consumer credit contracts and non-consumer credit contracts. It is not a licensed Financial Advice Provider and does not offer regulated financial advice. Investment opportunities are available only to investors who meet specific wholesale investor criteria as defined in the Financial Markets Conduct Act 2013. These are not regulated offers and are not open to retail investors.

All lending is subject to credit assessment and responsible lending obligations under the Credit Contracts and Consumer Finance Act 2003. We follow the Responsible Lending Code to ensure loans are suitable and affordable for our clients.

¹Past performance is not a reliable indicator of future results. Fixed rates are subject to change. Terms, conditions, lending criteria, fees, and charges apply. Images may be indicative only.

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