How much could you actually borrow for a home?

A home loan check, not a debt consolidation service. Answer six quick questions and an experienced, licensed Auckland mortgage adviser will confirm what you could borrow for a property — free, no obligation, and it won't affect your credit score.

✓ Home loans only — not car loans, credit cards or debt consolidation
✓ Your number confirmed by a licensed adviser, not a calculator
✓ Advisers are paid by the lender — the service costs you nothing

"I thought we were two years away from buying. Turns out we could go to open homes that weekend." First home buyers, West Auckland

Results depend on individual circumstances.

Question 1 of 6

What are you looking to do?

Question 2 of 6

When are you hoping to make a move?

Question 3 of 6

Roughly how much deposit do you have (incl. KiwiSaver)?

Question 4 of 6

What's your rough household income (before tax)?

Question 5 of 6

Roughly how much other debt do you have?

Car loans, credit cards, personal loans, buy-now-pay-later. Lenders subtract this from what you can borrow for a home, so it matters more than most people expect.

Question 6 of 6

When's the best time for a quick call?

Last step

Where should we send your borrowing estimate?

First name

Mobile

Free service. Won't affect your credit score. No obligation to proceed. Your details are never sold to anyone other than the adviser who contacts you.

Your indicative range

$—

Based on your answers, this is a rough starting range only. An experienced, licensed adviser will call you within one business day to confirm your real number — it's often higher than online calculators suggest.

What happens next:
1. An experienced, licensed Auckland adviser gives you a quick call
2. They confirm your actual borrowing power with real bank criteria
3. You decide if and when you want to move — zero pressure

Why people use an adviser instead of walking into a bank

One bank gives you one answer

Every bank calculates borrowing power differently. An adviser compares your situation across multiple lenders and finds the one that says yes — and says it at the best rate.

It costs you nothing to use

Advisers are paid by the lender when your loan settles, the same way in every case. You get expert help through the whole process without paying a fee to get started.

You'll know where you stand

Even if now isn't the right time, you'll leave the call knowing exactly what deposit and income you need to hit your goal — and a plan to get there.

Who this is for

This check is built for people planning a property move this year — buying a first or next home, refinancing an existing mortgage, or adding an investment property.

Not sure whether you're ready? That's worth checking — plenty of people find they can move sooner than they assumed. But this isn't a debt consolidation service: if you're looking to refinance car loans, credit cards or personal debt rather than a property, an adviser here won't be able to help.

60 secto complete the check

$0to use an adviser

1 dayto hear from an adviser

This yrideal planning window