Enter your income, savings, and expenses. MortgageReady works out what you can actually borrow and how much breathing room you'll have each month.
You find a house, fall in love with it, then find out at the bank that your numbers don't stack up. MortgageReady fixes that.
Tax, KiwiSaver rules, how much banks will actually lend you. There's a lot to get right, and banks know this stuff. Most buyers don't.
A rough back-of-envelope calculation won't tell you whether you can afford the house you want, or whether your monthly budget will survive once you're paying a mortgage.
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.
Four steps. Then you walk into the bank knowing your numbers.
Add up to 4 household members. Each person's gross income, KiwiSaver balance, and contribution history goes in once. NZ income tax and ACC levies are calculated automatically, so you see your real take-home.
Cash deposit, KiwiSaver withdrawal amount, gifted funds. Monthly living costs across 13 categories, pre-filled with Bay of Plenty benchmarks so you're starting from real numbers. Existing debts are tracked individually and factored into your DTI.
Enter a target property price and MortgageReady calculates how much you can borrow, whether your deposit is enough, whether you might qualify for a low-deposit home loan, and whether your monthly budget stays healthy once you're paying the mortgage.
One click generates a PDF with your 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. The full profile inside MortgageReady covers much more.
Example only — change the numbers to see your situation.
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 — including the $1,000 retained rule and 3-year contribution requirement.
Conservative, Comfortable, Optimistic, and Target — each based on how much of your available monthly budget goes toward the mortgage, with bank limits factored in.
Checks whether you might qualify for a government-backed low-deposit home loan. Shows whether a 5% deposit could work for your situation.
Shows the impact of cutting each expense category by 30%. Surfaces personalised actions like paying off the credit card first or boosting your KiwiSaver contributions.
See how your borrowing changes as interest rates move from 4–10%. Identify the point where your monthly surplus turns negative.
Interactive rate slider, term selector (10–30 years), and payment frequency (weekly/fortnightly/monthly). Includes an amortisation chart and preset buttons for common NZ lender rates.
Paste a TradeMe, Realestate.co.nz, or OneRoof listing URL to save a property and instantly see whether it's affordable, marginal, or over budget against your current profile.
Add mortgage brokers and lenders with their contact details, then generate a professional introduction letter with your financial details already filled in.
Upload bank statements to automatically extract and categorise transactions, generating spending insights and tips to strengthen your application.
Attach supporting documents — ID, payslips, employment contracts, bank statements — directly to your profile for easy retrieval at lender appointments.
Searchable reference of 100+ NZ mortgage terms across borrowing, property, NZ schemes, financial, and process categories. Know the language before you walk in.
Real stories from New Zealanders who used MortgageReady before talking to their broker or bank.
My broker asked for everything upfront: payslips, bank statements, a breakdown of expenses. I just exported my MortgageReady profile and sent it over as a single PDF. No scrambling through emails. She said it was the most organised file she'd seen from a first-home buyer.
I handed the bank my exported report and they had everything they needed on the spot. Income breakdown, deposit sources, KiwiSaver balance, existing debts. The conversation took 20 minutes instead of the usual hour of 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 and instantly see my LVR, monthly surplus, and affordability score. I knew before even viewing a place whether it was realistic.
My partner and I kept arguing about what we could afford. Totally different ideas. We ran both our profiles side by side in MortgageReady and that settled it. Seeing the actual numbers together, borrowing power, DTI, monthly surplus, turned it into a real conversation.
I didn't realise I was eligible for the First Home Loan with a 5% deposit until MortgageReady flagged it. That changed everything. I thought I needed years more saving. The KiwiSaver withdrawal calculator was spot-on too. My broker confirmed every figure matched what the bank came back with.
Brokers and lenders move faster for buyers who arrive ready. MortgageReady makes sure that's you.
Instead of scrambling for payslips and statements after your first meeting, you hand over one organised PDF on day one — income breakdown, deposit sources, KiwiSaver details, expenses, and debts all in one place.
Your borrowing power and budget breakdown are already calculated before you sit down. You understand your own position, and that shows.
Send a professional introduction letter to your broker or lender before your first meeting, with your financial details already filled in. A confident start.
Store your ID, payslips, employment contracts, and bank statements inside your profile. When your broker asks, you can share everything instantly — no hunting through email threads.
Upload your bank statements and arrive with your transactions already categorised and analysed. Your broker sees a clear picture of your finances, not a pile of raw data to sort through.
You already know bank lending limits, your deposit situation, and what you can realistically borrow. No awkward surprises mid-meeting — just a focused conversation about how to get you across the line.
When you're ready to talk to a broker or sit down at a bank, MortgageReady generates a PDF covering your full financial position. Lenders see that you understand your own numbers, and the conversation moves faster.
Build your free profile in minutes. Your data is stored securely in the cloud so you can access it from any device.
Create Profile — It's Free →Free to sign up. No credit card. 100% NZ-specific.