How much can I borrow for a home loan? NZ Mortgages

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Your financials:

Purchase price*

Deposit*

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Age - Applicant 2 (if applicable)

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Frequently asked questions

How Much Can I Borrow as a First Home Buyer?

First home buyers may qualify for government schemes and incentives, such as KiwiSaver HomeStart grant or First Home Loan, which can help increase borrowing capacity. Our experts can guide you through the options available to you.

What Affects How Much I Can Borrow?

Factors such as income, expenses, credit history, deposit amount, loan term, interest rates, and lender policies can impact your borrowing capacity. We can help you navigate these factors to secure the right loan.

How Much Deposit Do You Need for a Mortgage?

Deposit requirements vary but typically range from 5% to 20% of the property's purchase price. Higher deposits may result in better loan terms and lower interest rates.

How Much Can I Borrow for a Mortgage?

Your borrowing capacity depends on factors like income, expenses, credit history, deposit amount, and lender criteria. Our team can assess your situation to determine the maximum loan amount you qualify for.