Can I Afford This
Mortgage?
Honest NZ mortgage affordability analysis. Stress tests, real ongoing costs, and economic conditions — free from lender bias.
Check a mortgageWhy does this exist?
Banks are incentivised to lend
Online calculators hosted by lending institutions are designed to make borrowing look easy — not to give you the full picture.
Broker tools are hidden
Industry brokers and sales agents use sophisticated scenario-modelling tools behind closed doors. Clients rarely get to see the full stress-test output or worst-case projections.
You deserve the full picture
We factor in various economic metrics — OCR cycles, job stability, ongoing running costs, and more — so you know exactly what you're committing to.
Can I Afford This Retirement?
When can you afford to stop working? KiwiSaver projections, NZ Super, inflation-adjusted planning, and what-if scenarios.
Learning Center
How does it all work?
LVR, DTI, OCR, stress tests — every term explained in plain NZ English.