How much can I borrow?

Sometimes a rough estimate isn’t enough.

To paint a better picture of what your options are, this calculator can give you a clear indication of just how much you may be able to borrow. Then, we can work backwards to find the most suitable mortgage for you.


Our free mortgage calculator

Use our calculator to determine how much you can borrow for a home loan and what the repayments may be.


Meet our brokers


Andrew Armstrong

Andrew is our Mortgage Specialist, he joined the PTR Mortgages team to share his wealth of business, banking and finance knowledge. Andrew has been involved in a number of businesses and after many years working for one of NZ’s biggest banks, he knows plenty of methods to help you meet your financing goals. Andrew enjoys working with Property Investors who want to manage and grow their portfolio.


Tim Hurley

Tim is our other Mortgage Specialist, he has over a decade of experience in senior banking roles, including creating the pricing and processes that help guide banks when they make mortgage decisions. His insight into the way banks operate in the mortgage business is an invaluable asset for our clients helping them to obtain finance for property purchases where others struggle.

Take the first step

Speak with a mortgage expert