NZ Mortgage Borrowing Power Calculator
This is an affordability estimate only. New Zealand lenders must make their own suitability and affordability assessments and may use different buffers, expense benchmarks, credit policies, and approval criteria.
Contexto de la Regla Regional
New Zealand Tasas y Reglas
Uses owner-occupier 6x and investor 7x gross income DTI thresholds as a planning comparison, alongside a monthly affordability estimate. These are bank speed-limit thresholds, not automatic individual approval limits.
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Resultado
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Asistente IA
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Aviso: Aviso: Esta calculadora usa reglas publicas vigentes desde la fecha indicada. Los resultados son solo informativos. Verifique con fuentes oficiales. Ultima revision: 18 abr 2026.
Formula
The serviceable loan is calculated from the monthly mortgage payment your budget can support at an assessed interest rate. The DTI threshold loan compares total debt with annual gross income using current New Zealand DTI threshold settings.
Preguntas Frecuentes
Is this bank approval?
No. It estimates a possible borrowing range for planning. A lender or broker must assess your full application.
What DTI threshold is used?
The calculator uses 6x gross income for owner-occupiers and 7x gross income for investors as high-DTI threshold comparisons.
Why include existing debt balance?
DTI compares total debt with gross income, so other debts reduce the loan amount available before crossing the selected threshold.
Why include living costs?
Responsible lending assessments consider whether repayments are affordable after normal living costs and existing commitments.
Asistente IA
Preguntar sobre esta calculadora
Puedo ayudarte a entender la formula de nz mortgage borrowing power calculator, interpretar tus resultados y responder preguntas de seguimiento.
Intenta preguntar
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