Readiness check
Am I ready to buy?
See how much you could borrow, what it really costs, and whether you’d survive a rate rise. Enter your numbers once — they carry through every step, no re-typing. Need a target price? See the current median house prices in NZ.
Could buy up to
$770,000
indicative ceiling
Weekly mortgage
$875
at 6.5%
If rates rise +1%
$968
per week
Readiness score
70
out of 100
Where your numbers come from
Your income, total savings, deposit and monthly debt all come from the shared “Your numbers” panel at the top of the calculator, and your property, rate and term from the True cost tab — enter them once and this report stays in sync.
Carried in from the calculator
Financial advisers generally suggest keeping mortgage payments under ~28% of gross household income, and total housing costs under 30%.
Since 1 July 2024, NZ banks limit most owner-occupier loans to a debt-to-income (DTI) ratio of 6× — aim to keep your "Loan × income" under 6 (ideally under 5).
These figures are a general guide only, not financial advice.
Your readiness report is ready to run
We’ll score these four areas, then show where you stand and what would help most.
Takes a couple of seconds · nothing to sign up for
Still unsure about something? Ask us directly.