Mortgage A to Z

17/06/2026

Borrowing Power Case Study:
- Single Applicant
- $90,000 Gross Single Income
- 3.5% Kiwisaver Contribution Rate
- $150 per month existing insurance costs
- An estimate for rates and property insurance
- No dependents
- 1 Car loan of $12,000 paying $100 weekly
- 1 Credit Card limit of $5,000
- No other debts, loans, credit cards or afterpay

With these numbers you can borrow $420,000. You can add your deposit to this for your purchasing power, but will need a minimum of 5%.

The $12,000 Car loan is limiting your borrowing power by $65,000 and the credit card is limiting it by $29,000. Repaying and closing these debts could add over $90,000 to the borrowing power in this example.

If you'd like feedback on your borrowing power, please click this link and fill out the quick survey, we will give you a call to discuss the results.
https://maz.co.nz/how-much-could-you-borrow/

15/06/2026

Borrowing Power Case Study:
- Joint Applicant
- $80,000 Gross Single Income
- 3.5% Kiwisaver Contribution Rate
- $361 WFF weekly
- $100 accomodation supplement weekly
- $250 per month existing insurance costs
- An estimate for rates and property insurance
- 3 dependents
- No childcare costs
- No other debts, loans, credit cards or afterpay

With these numbers you can borrow $540,000. You can add your deposit to this for your purchasing power, but will need a minimum of 5%.

If you'd like feedback on your borrowing power, please click this link and fill out the quick survey, we will give you a call to discuss the results.
https://maz.co.nz/how-much-could-you-borrow/

11/06/2026

Borrowing Power Case Study:
- Single Applicant
- $80,000 Gross Income
- 3.5% Kiwisaver Contribution Rate
- $150 per month existing insurance costs
- An estimate for rates and property insurance
- No dependents or childcare costs
- Student loan of $20,000
- No other debts, loans, credit cards or afterpay

With these numbers you can borrow $350,000, if you're prepared to add 1 boarder contributing $200 per week, this will increase to $450,000 and 2 boarders will increase it to $550,000. You can add your deposit to this for your purchasing power, but will need a minimum of 5% deposit.

On an $80,000 income, clearing the student loan increases your borrowing power by about $85,000.

If you'd like feedback on your borrowing power, please click this link and fill out the quick survey, we will give you a call to discuss the results.
https://maz.co.nz/how-much-could-you-borrow/

Send a message to learn more

08/06/2026

Borrowing Power Case Study:
- Joint Application
- $70,000 and $45,000 Gross Income
- 3.5% Kiwisaver Contribution Rate
- $250 per month existing insurance costs
- An estimate for rates and property insurance
- Banks minimum expenses
- 2 dependents
- No childcare costs
- No debts, students loans, credit cards or Afterpay

With these numbers you can borrow $625,000. You can add your deposit to this for your purchasing power, but will need a minimum of 5% deposit.

If you'd like feedback on your borrowing power, please click this link and fill out the quick survey, we will give you a call to discuss the results.
https://maz.co.nz/how-much-could-you-borrow/

Send a message to learn more

05/06/2026

Borrowing Power Case Study:
- Single Applicant
- $65,000 Gross Income
- 3.5% Kiwisaver Contribution Rate
- $100 per month existing insurance cost
- An estimate for rates and property insurance
- No dependents or childcare costs
- No debts, students loans, credit cards or afterpay

With these numbers you can borrow $330,000, if you're prepared to add 1 boarder contributing $200 per week, this will increase to $430,000 and 2 boarders will increase it to $530,000. You can add your deposit to this for your purchasing power, but will need a minimum of 5% deposit.

If you'd like feedback on your borrowing power, please click this link and fill out the quick survey, we will give you a call to discuss the results.
https://maz.co.nz/how-much-could-you-borrow/

19/05/2026

Not sure what you could actually afford?

Our unique affordability calculator gives you a quick, realistic estimate based on your situation.

Give it a go and get a clearer picture of what’s possible.

Find Out What You Can Afford: https://maz.co.nz/proven-affordability-calculator/

19/05/2026

Saving for a goal but not sure if you’re on track?

Whether it’s a house deposit, travel, or just getting ahead, our free calculator shows you exactly how much to save and how long it’ll take.

Use Our Savings Goal Calculator: https://maz.co.nz/saving-goal-calculator/

18/05/2026

Not sure how much equity you actually have in your home?

Our calculator gives you a quick estimate so you can understand what options might be available to you.

Find Out Your Equity: https://maz.co.nz/equity-calculator/

05/12/2025

Every mortgage we write has a ripple effect 🌊
Through Upstream NZ, part of each success story at Mortgage A to Z helps fund youth charities across Canterbury. That means every home we help finance goes towards helping young kiwis in need.

We’re honoured to be named one of Upstream’s Top 10 Contributors for 2025, with over $14,000 donated this year.

Proud to be part of something bigger 💚

15/07/2025

We are proud to have presented Anthony from Mortgage A to Z with his $10K Upstream Contribution milestone! 🏆

Such a heart of gold and a passion for helping his clients and his community. Congratulations!