Enter your income, savings, and expenses. MortgageReady does the maths โ tax, KiwiSaver, stress tests, DTI limits โ and tells you exactly what you can afford.
You find the perfect house, fall in love with it โ then discover at the bank that your numbers don't add up. MortgageReady fixes that.
Tax brackets, ACC levies, KiwiSaver withdrawal rules, LVR thresholds, DTI limits โ there's a lot to get right. Banks know this stuff. Most buyers don't.
A rough back-of-envelope calculation won't tell you whether your surplus survives a bank stress test at 7%, or whether you'd qualify for a 5% deposit First Home Loan.
Should you pay off the car loan or save more deposit? Would cutting groceries actually move the needle? It's hard to know without running the numbers.
Build your full picture in four simple steps, then walk into any lender conversation with confidence.
Add up to 4 household members. Each person's gross income, KiwiSaver balance, and contribution history is entered once โ NZ income tax and ACC levies are calculated automatically. You see your real take-home, not a guess.
Cash deposit, KiwiSaver withdrawal amount, gifted funds. Monthly living costs across 13 categories โ pre-filled with Bay of Plenty benchmarks so you're starting with real numbers. Existing debts are tracked individually and factored into your DTI.
Enter a target property price and MortgageReady calculates your LVR, borrowing power under conservative (7% / 25yr) and optimistic (6% / 30yr) scenarios, First Home Loan eligibility, and whether your monthly surplus stays positive under the stress test.
One click generates a clean PDF covering your full financial picture โ income breakdown, deposit composition, borrowing power, affordability score, and stress-test results. Hand it to your mortgage broker or take it to the bank. It shows you've done your homework.
A quick snapshot. Your full profile inside MortgageReady goes much deeper.
See your KiwiSaver eligibility, run what-if scenarios, and get your bank-ready PDF report.
MortgageReady covers every number your lender is going to ask about.
Progressive tax brackets and ACC levies calculated automatically. Enter gross income, see your real take-home.
MortgageReady works out exactly how much of your KiwiSaver you can withdraw as a first-home buyer โ including the $1,000 retained rule and 3-year contribution requirement.
Conservative (7% / 25yr) and optimistic (6% / 30yr) side-by-side โ constrained by whichever limit hits first: serviceability or RBNZ's 6ร DTI cap.
Instant Kฤinga Ora eligibility check โ income cap, purchase price cap, first-home buyer status. Shows whether a 5% deposit is possible for your situation.
Shows the impact of cutting each expense category by 30%. Surfaces personalised actions โ pay off the credit card first, boost KiwiSaver, get pre-approval first.
Side-by-side comparison of any two profiles โ borrowing power, affordability score, DTI, LVR, surplus, and FHL eligibility. Great for couples with different scenarios.
Real stories from New Zealanders who used MortgageReady before talking to their broker or bank.
My broker asked for everything upfront โ payslips, bank statements, a breakdown of all our expenses. I just exported my MortgageReady profile and sent it over as a single PDF. No scrambling through emails, no back-and-forth. She said it was the most organised file she'd seen from a first-home buyer.
I handed my bank the exported report and they had everything they needed on the spot โ income breakdown, deposit sources, KiwiSaver balance, existing debts. The conversation took 20 minutes instead of the usual hour of digging through paperwork. We got conditional approval the same week.
I had no idea if I could actually afford a house. Once my profile was set up, I could plug in any listing I was interested in and instantly see my LVR, monthly surplus, and affordability score. It took the guesswork out completely โ I knew before viewing whether a property was realistic or not.
My partner and I kept arguing about what we could afford โ we had completely different ideas. We ran both our profiles side by side in MortgageReady and it settled it immediately. Seeing the numbers together โ borrowing power, DTI, monthly surplus โ made it a real conversation instead of a guess.
I didn't realise I was eligible for the First Home Loan with a 5% deposit until MortgageReady flagged it. That changed everything โ I thought I needed years more saving. The KiwiSaver withdrawal calculator was also spot-on. My broker confirmed every figure matched what the bank came back with.
When you're ready to talk to a broker or sit down at a bank, MortgageReady generates a professional PDF that covers everything. Lenders see that you understand your own numbers โ which means the conversation moves faster.
Build your free profile in minutes. No account needed โ your data never leaves your browser.
Create Profile โ It's Free โNo sign-up. No credit card. Fully private. 100% NZ-specific.