What can I afford?

Home Loan Qualifying Calculator

Your Details

Select Advisor

Name

Your Age

City

Income (include taxable income from all sources)

Your annual income before tax

Partner's income before tax (Joint Applicants)

Annual Income

Outgoings (exclude current mortgage revolving overdraft, rent or daily living expenses)

	Balance	Payments	Frequency
Hire Purchase Agreements
Student Loan(s)
Personal Loans
Child Support/Care
Other Loans

Monthly Outgoings

Credit Balances & Limits

	Balance	Limit(s)
Credit Card(s)
Overdraft(s)

Proposed Property Details

Have you selected a builder?

YesNo

Builder's Name

Sales Consultant's Name

Purchase Price (land and build)

Details Of Your Proposed Construction

Have you located a section?

YesNo

Value/Budget of Land

Cost to Build

Cost of work you intend to do yourself

Existing Home

Do you currently own a house?

YesNo

Do you intend to keep this house throughout your new build or longer?

YesNo

Value of Existing Home(s)

Current existing loan balance

Current loan repayments amount

If rented - What would be the rental return on your current home?

Deposit

Your Cash Deposit (if any)

Include saved deposit, family gift, eligible kiwisaver (including First Homebuyer Grants), any expected sales proceeds of existing house you may be selling before building (DO NOT INCLUDE EQUITY IN AN EXISTING HOUSE IF YOU DO NOT INTEND TO SELL YOUR HOME BEFORE YOU START BUILDING), and if you already own the section, include as deposit the difference between the land value and the land mortgage.

Other Loan Term

Interest Rate

Other Interest Rate

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Comments

Please check your email to see your NewBuild Loan Qualifying Results.

Floating Rate (construction *)	1.79%
Floating	4.55%
6 Months	2.99%
1 Year	2.19%
18 Months	2.49%
2 Years	2.59%
3 Years	2.99%
4 Years	3.39%
5 Years	3.69%
The Construction Floating Rate is a special discounted rate, and the discount is available for three years from the initial advance. Floating rates are subject to change. Low Equity Margin (LEM) applies for loans with less than 20% deposit or equity. While a scaled Low Equity margin applies to loans with less than 20% deposit/equity, the interest rates being offered are now the same. All rates are indicative and may change without notice.