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
Extra each week
+$93
Stressed repayment share of gross income
38.7%
This may be workable, but the buffer deserves a careful look.
Estimates only, based on the figures you enter. Actual rates, repayments and approval amounts vary — confirm with your bank, mortgage broker and other providers before making financial decisions. This is general information, not financial advice.
Still unsure about something? Ask us directly.