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How much can I borrow to fund my investment?

Ideally, you should arrange your finances before you start searching for an investment property. This will let you know exactly how much you can spend.  The amount you are able to borrow depends on a number of factors, including: 
  • Your annual after tax income.
  • Your monthly expenses.
  • The type of loan and current interest rates.
  • Repayment type (principal or principal and interest).
  • The loan term (number of years to pay the loan back).
  • Estimated repayments.
Visit the website of any major bank in New Zealand to find a loan calculator you can use. Your lending institution should be able to give you a more detailed outline and / or a pre-approval on your borrowing capacity, which is usually valid for three months. 
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