Car, Home & Personal Loans
Everything about borrowing and managing credit in New Zealand: how much you can afford to borrow, the difference between loan types, and the proven ways to pay debt down faster. Each section groups related guides and free tools so you can go as deep as you want.
Introduction to Car, Home & Personal Loans
How much can I borrow?
The honest factors that set your borrowing power: income, expenses, deposit or equity, interest rates, and how lenders stress test the numbers.
Read the guide CalculatorBorrowing power calculator
Estimate what a lender is likely to approve based on your income, spending and the rate you are quoted.
Open the calculatorComing soon: a plain-language guide to loans and credit in New Zealand, and how to read an interest rate like a professional.
Managing Loans & Credit
Debt payoff calculator
See how much interest you can avoid and how much faster you finish by paying a little extra each month.
Open the calculator GuideWhich debt to pay off first
The honest order of operations for clearing multiple debts, and whether to prioritise the highest rate or the smallest balance.
Read the guideComing soon: debt consolidation explained, refinancing vs switching, and how to rebuild your credit history after hard times.