Free tool · 2 minutes
You might want to know if you'd qualify for a home loan — and roughly how much a bank might lend you. But you're not ready for a full application yet. That's exactly what our Quick Assessment is for.
Takes about 2 minutes · results emailed to you
A generic calculator only looks at income against price. Banks look at a lot more than that — so our Quick Assessment does too, giving you a far more realistic picture before you talk to anyone.
Online calculator
Income and purchase price only
Quick Assessment
Income, deposit, dependents, debts and more — the same things a bank actually checks
Six quick questions — the same information a bank needs to assess you, without the paperwork.
For joint applicants, we ask each person's income separately — tax can work out differently depending on how it's split.
It always helps to have at least an indication of what you'd expect to pay for the home you're after.
How much you might have in KiwiSaver, other savings, or a gifted deposit from family.
Banks assess average living expenses based on your household, so we ask how many children live with you.
Needed for any home loan. We won't ask how it's made up in the quick version — but we will if you have a boarder, since that can add to what you can afford.
Your existing debts and financial commitments reduce what's left from your income to service a new home loan, so they always need to be included.
Answer a few quick questions and we'll email you an idea of what you could borrow.
★★★★★
I never thought I could own a home, but with their guidance, it became a reality. Their team was supportive every step of the way.
Jamie A.
First-time home buyer
★★★★★
I appreciated the quick responses and resources they provided. I felt like I knew what I was doing thanks to their help.
Mike T.
First-time home buyer
The Quick Assessment gives you a solid idea of what you can borrow, and helps you plan for your future as a home owner — before you commit to a full application.
Start your Quick Assessment