Borrowing Power Calculator

Use our borrowing power calculator to estimate how much you could borrow for a home loan in New Zealand. It gives a clear starting point for PAYE earners, contractors, and business owners by factoring in income, expenses, and lending assumptions. A simple way to sense-check your position before getting tailored advice on how to structure it properly.

^{Important Information:
This calculator is a general guide only and is intended to provide illustrative results based on the information you enter.
It does not constitute financial advice, nor does it take into account your personal circumstances, objectives, or lending eligibility.
Actual loan terms, repayments, and interest rates may vary depending on your situation and lender requirements.
We recommend speaking with a Luminate adviser before making any financial decisions.}