NZ Mortgage Calculator | Compare BNZ, Kiwibank, ASB, SBS, BOC & ANZ

Results are indicative estimates only and do not constitute financial advice. Always confirm with your bank or a licensed financial adviser. Rates and policies subject to change.

Your Scenario

Loan Details

Loan Purpose

Kāinga Ora First Home Loan

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Min Deposit 5%

Govt Guarantee Up to 15%

Income Cap (1 buyer) $95,000 p.a.

Income Cap (2 buyers) $150,000 p.a.

Available at: ANZ, ASB, BNZ, Kiwibank, SBS, Westpac, TSB, Unity. Not available at BOC.

KiwiSaver First Home Withdrawal

App 1 KiwiSaver Balance

App 2 KiwiSaver Balance

Must have been a member for 3+ years. $1,000 minimum stays in account.

First Home Grant

Property Type

KiwiSaver Years (each buyer)

Grant: calculating…

Income caps apply. Existing home: up to $5,000/buyer. New build: up to $10,000/buyer.

Property Value

Loan Amount Required

Loan Term (years)

Existing Mortgage Balance

LVR: —

Applicants & Household

Number of Applicants

1 Applicant

2 Applicants

Number of Dependants

Income — Applicant 1

Employment Type

Base Salary (gross p.a.)

Overtime / Allowances (p.a.)

Rental Income (gross p.a.)

Other Regular Income (p.a.)

BOC Overseas Income (p.a.)

Income — Applicant 2

Employment Type

Base Salary (gross p.a.)

Overtime / Allowances (p.a.)

Rental Income (gross p.a.)

Other Regular Income (p.a.)

BOC Overseas Income (p.a.)

Liabilities & Commitments

Credit Cards

Total Credit Card Limits

Existing Mortgages / Home Loans

Car / Personal Loans

Student Loan

Outstanding Balance

Monthly Repayment

Child Support / Other Commitments

Monthly Amount

Living Expenses

Declared Living Expenses (p.m.)

HEM benchmark: ~$1,450/m (will be used if living expenses blank)

Property Costs

Rates (p.a.)

Insurance (p.a.)

Body Corporate Fees (p.a.)

Enter your details and click Calculate

See how much you can borrow across BNZ, Kiwibank, ASB, SBS, Bank of China NZ and ANZ — all side-by-side in seconds.

Your Borrowing Results

Detailed Comparison

Item	BNZ	Kiwibank	ASB	SBS	BOC	ANZ

Income Used by Each Bank

Rate Assumptions Used

Bank-Specific Notes

BOC Bank of China NZ — LVR Policy Reference

Source: BOC NZ Broker Guideline v9.5 | Residential House (Excluding Leasehold & Māori Land)

Property Type	Owner Occupied	Investment	Notes
Freehold Residential (Standard)	80%	70%	Standard policy
Freehold Terraced House / Townhouse	80%	70%	Standard policy
New Build (CCC issued within 6 months)	80%	80%	Same LVR for OO & investment
Freehold Apartment >50m²	70%	70%	RV required in all cases
Lifestyle Block <10ha (recognised Lifestyle Area)	70%	70%	RV required in all cases
Not Eligible: Leasehold titles, Māori Land, Apartments ≤50m², off-plan/turnkey (separate policy applies)

🏠

📋 Need to talk about your Mortgage?

Siyoung Jo

Mortgage Adviser · Allied Financial Group

📧 jo@alliedfg.co.nz 📞 021 024 9656

Enter your details and click Calculate

Your Borrowing Results

Detailed Comparison

Income Used by Each Bank

Rate Assumptions Used

Bank-Specific Notes

BOC Bank of China NZ — LVR Policy Reference

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