1
What you might borrow
Use the calculator below as a ceiling, not a target. A good adviser will sometimes suggest borrowing less than the maximum.
I'm buying my first home
See the number before you book the open home
Borrowing power first. KiwiSaver and a 5% deposit second. A person when you want the figure checked against a real lender.
What could you borrow?
A guide from your income and deposit. Not a pre-approval.
Combined household income (gross / year)$120,000
Monthly living expenses$2,200
Other monthly debt repayments$0
Deposit available$120,000
Dependents
You might be able to borrow up to
$475,000
Indicative purchase price
$595,000
Loan-to-value (LVR)
80%
A rough, conservative guide only — every lender assesses differently and the real figure depends on a full assessment. Not a quote, pre-approval or offer of finance.
Most clients pay Keep nothing. The lender pays a commission when a loan settles. If a fee would apply, we say so in writing first. Keep Limited is a demo advice firm — FSP1000000 is a placeholder, not a real licence. How we are paid.
2
Where the deposit comes from
Savings, a family gift, and a KiwiSaver first-home withdrawal can sit together. The First Home Loan can be 5% for people who qualify. Income caps apply.
3
A person checks the lender
Low-deposit loans are not accepted everywhere. We match you to a lender that will actually look at the file, then stay on after you move in.