Plan Your Home Journey
Use our calculators to understand your budget, plan your savings, and make informed decisions about your first home purchase.
Legacy planning value for Auckland City: $1,050,000. Verify a current target price.
How much could you borrow?
Let\'s figure out your budget together - now with partner income & debts
Planning prompt
Compare deposit scenarios, current rates, fees and fixed-term flexibility before setting a price target.
Banks factor in living costs for dependents when assessing your application
Include groceries, utilities, transport, insurance, and discretionary spending
Low-equity criteria, margins, fees and available pathways vary by lender. Compare several deposit scenarios.
Your Results
$530,000
Planning output, not a lender approval
$2,504
at 4.75% interest
This might stretch your budget. Let's look at ways to improve your position.
Max Borrowable
$480,000
LVR / Deposit
9.4%
New Loan / Income
6.0x
Stress Rate
7.25%
Monthly Buffer
$1,392
Living Costs
$2,000
Calculation basis
Lower of the 6.0× new-loan screen and stressed cashflow capacity at 7.25%, after entered expenses, debt payments and a $250 model surplus.
Model fhbg-planning-v2, reviewed 2026-07-13. Existing debt balances and lender-specific policy are not fully modelled.
- This is a low-equity scenario. Lender criteria, margins, fees and maximum LVR settings can materially change the result.
- The result is constrained by your 6.0× DTI planning assumption. This is not a universal approval limit.
- Compare a larger-deposit scenario and confirm lender-specific low-equity costs.
What should I do next?
- Explore suburbs that match your budget using our guides
- Check current mortgage rates and see how they affect your repayments
- Speak with a mortgage adviser before relying on these numbers
Important:These results are estimates only. This calculator is a guide and does not constitute financial advice. See the information and referral disclosure for FHBG's current operating boundary.
Next Steps
Planning assumptions
Turn these numbers into a buying plan
Send your situation through as a first-party FHBG information request. No financial advice or automatic provider match is completed here.
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Context kept for reply
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Need to prepare better questions?
Calculator outputs are planning scenarios, not lender decisions. Save your context with FHBG before independently checking any professional's registration and scope.
Save Buyer RequestMore Resources
Learn more about the home buying process and how to prepare