$100,000 income
$600,000
most a bank could lend · 6× income
- Gross income
- $100,000
- DTI limit
- 6× income
- Most a bank could lend on income
- $600,000
One income, capped at 6× — serviceability may bring the final figure lower.
NZ borrowing calculator · 2026/27
Know what you
could borrow.
Estimates from published Reserve Bank limits and the details you enter.
Built for New Zealand.
Rates current as at 24 July 2026.
$
A year, salary or wages.
$
Leave at zero if applying alone.
$
A month, not counting the mortgage you are working out.
$
Buying as
6× income cap for owner-occupiers, 7× for investors.
$
A year, before tax.
Dependants
$
Hire purchase and buy-now-pay-later too.
$
$
Banks count the limit, not what you owe.
Student loan
Reduces income available for servicing.
Term
%
Editable default 7.00%. A buffer banks may test against — not a forecast.
Borrowing range
$500,681
$406,272 – $542,767 · a middle estimate; indicative only, not an approval or an offer of finance.
$620,681the house price this points to, with your deposit.
$3,331a month at the 7.00% stress test — how banks decide what you can borrow.
Your limit is set by what a bank thinks you can service month to month, not the income cap.
Credit card limits of $5,000 count as debt even at a zero balance.
Unused credit cards count at their full limit, so closing them frees DTI headroom.
At the middle estimate with your $120,000 deposit
- Deposit
- $120,00019.3%
- Loan
- $500,68180.7%
- Middle estimate
- $500,681
- Houses you could look at
- $526,272 – $662,767
- What's holding the number back
- What you can afford to repay
- Most you could borrow on income alone (6× cap)
- $595,000
- Money left over each month
- $3,331
- House price at the middle estimate
- $620,681
- Loan as a share of that price (LVR)
- 80.7% · over 80%
Range at a glance
Low and high scenarios vary income and expenses; the middle is the planning figure.
What's reducing your estimate
- Credit card limits of $5,000 count as debt even at a zero balance.
- At the middle estimate your deposit is under 20% — high-LVR lending is rationed and often priced higher.
What could improve it
- Unused credit cards count at their full limit, so closing them frees DTI headroom.
- A larger deposit lowers the loan needed and can move you out of high-LVR territory.
- Lower fixed outgoings directly increase the surplus a bank can capitalise into lending.
These are general observations from your inputs, not recommendations. Banks apply their own living-cost benchmarks, test rates and credit criteria.
How this borrowing power calculator works
This calculator estimates how much a bank might lend you for a home, as an indicative range rather than a single figure. Enter your income, expenses, deposit and any debts; it applies the Reserve Bank limits and a serviceability test, and shows a low, middle and high estimate.
Worked examples
Same cap. One income or two.
Both apply the same 6× debt-to-income cap. A second income lifts the ceiling because both incomes count before the cap.
$160,000 combined
$960,000
most a bank could lend · 6× income
- Your income
- $100,000
- Partner's income
- $60,000
- Combined income
- $160,000
- DTI limit
- 6× income
- Most a bank could lend on income
- $960,000
Two incomes are added first, so the same 6× rule reaches $360,000 further.
FAQRead the guides
Common questions
Short answers on DTI, LVR, credit limits and stress rates — why the estimate is a range.
Want the full detail?
Banks apply their own living-cost and income rules on top of RBNZ DTI and LVR settings. The guides explain how each rule shapes the range.
Debt-to-income rules cap most owner-occupier lending at 6 times gross income, so on $100,000 that is up to $600,000 on income alone. Your actual limit is often lower, set by what your budget can service after tax, expenses and other debts.