borrowing calculator

How Much Can I Borrow?

Annual Household Income
i.e $125,000
Number of borrowers
Credit/Storecards/Overdrafts Total Limit
Loan Term (Years)
Interest Rate

Maximum household lending


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important information

This calculator is a useful tool to provide you with information about how much you could borrow, based on the accuracy of the information entered. This calculator does not constitute an offer of finance. While any assumptions used in this calculation are reasonable, they are subject to limitations. The calculations do not take into account any future changes (such as changes to taxation or interest rates, or changes in your personal financial circumstances), do not constitute a personalised financial adviser service under the Financial Advisers Act 2008 and are not intended to be relied on for making a decision in relation to a financial product. We recommend that you consider obtaining advice from a financial adviser before making any financial decisions. Please contact SBS Bank on 0800 727 2265 for more information.

*Rates are subject to change without notice.  These rates can be booked with a $250 Booked Fixed Rate fee, terms and conditions may apply. These rates are only available for Residential and Residential Investing lending with a minimum of 20% equity (or greater when Residential Investing lending restrictions apply), Welcome Home Loan, or lending where QBE lenders mortgage insurance applies. Available to members with any level of existing lending with SBS Bank or requires new lending of at least $100,000. Not available with commercial or rural loans, or SBS Advance (Reverse Equity Mortgage) loans. Requires primary source of income paid into a SBS Bank transactional account. Welcome Home Loans are supported by Housing New Zealand, are for owner occupied homes only and owners must not own any other property. Specific lending and eligibility credit criteria and Standard Contract Terms for term Welcome Home Loans, Residential and Residential Investing Loans apply. 1% HNZC premium applies. Additional Credit Fees and Charges may also apply. Copies of our Standard Contract Terms for term Welcome Home Loans, Residential and Residential Investing Loans and Credit Fees and Charges are available  on request and free of charge from any branch or agency of SBS Bank or at


A copy of the current Southland Building Society (SBS Bank) Disclosure Statement along with our Term Investment Terms & Conditions and QFE Adviser Disclosure Statement are available on request and free of charge from any branch or agency of SBS Bank or on this website
© Southland Building Society, 2016