Plan Your Home Journey
Use our calculators to understand your budget, plan your savings, and make informed decisions about your first home purchase.
Three months to 30 September 2026: QV reports the Auckland region average home value at $1,159,440, down 2.5% over the September quarter. Its release also describes variation within the Super City, so this regional average should not be read as a price guide for any suburb or home.
For an Auckland purchase, compare the specific property, its condition and location rather than applying the regional average. Use an asking price you can verify in the repayment and deposit tools, then check council records and property documents before making an offer.
Illustrative purchase scenario, separate from the borrowing estimate: if this QV average home value were your target price, your entered deposit of $50,000 leaves an estimated $1,109,440 before purchase costs and fees (95.7% loan-to-price). This is not a lender limit or approval.
Source: QV House Price Index, September 2026How 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
Save an email-only planning request
Enter an email address and, if you like, a first name so FHBG can record your request for review. No phone number or financial details are needed, and no automatic email or provider introduction follows.
Save a planning request
Provide an email address so FHBG can record your first-party request for review. There is no provider introduction or automatic email reply.
What is recorded
Email is required; first name is optional. FHBG stores the details you enter, the request source, and your consent to review it for a possible information-only reply. No provider receives it.
Need to prepare better questions?
Calculator outputs are planning scenarios, not lender decisions. Use the buyer guides to prepare questions and check each professional's registration and scope.
Browse Buyer GuidesMore Resources
Learn more about the home buying process and how to prepare
Understanding DTI Restrictions
Learn how bank-level restrictions and lender serviceability checks affect borrowing
Saving Your Deposit
Practical strategies to reach your deposit goal faster
Rates & Loan Terms
Read the rate-outlook guide and fixed-versus-floating questions before testing a rate you choose.