Portfolio Equity & Investment Calculator
Calculate your total usable equity across your property portfolio and discover your purchasing power for your next investment.
The Equity Unlock (Collateral)
Calculate usable equity from your existing properties
Property 1: Owner Occupied
Up to 80% LVR available for lending
Investment Portfolio
1Investment Property 1
Up to 65% LVR available (35% deposit requirement)
Total Usable Equity
$360,000
Owner Occupied
$360,000
Investment Portfolio
$0
Equity Breakdown
Income & Liabilities
Used for DTI (Debt-to-Income) assessment
Income Sources
100% of salary is counted for DTI
75% of rental income is counted for DTI (scaled to $0)
80% of boarder income counted, capped at $200/wk
Liabilities
Enter limits for revolving credit, not just current balances
+ $1,120,000 existing mortgages = $1,120,000 total debt
The New Purchase
Calculate your maximum purchase power
Purchase Type
20%
Lower deposit for new build properties
DTI Exempt
Note: New builds are exempt from DTI restrictions, making it easier to qualify for finance.
Estimated Realistic Borrowing Limit
Effective Maximum Purchase Price
$360,000
Max Loan by Equity
$1,440,000
Max Loan by DTI(Exempt)
$0
Cashflow Analysis
Estimate your weekly cashflow with 100% interest deductibility
Investment Assumptions
100% Interest Deductibility
As per current 2026 tax law, interest on investment property loans is fully deductible against rental income.
Weekly Cashflow
Pre-Tax
-$1,150
per week
Post-Tax*
-$771
per week
* Post-tax assumes 33% marginal tax rate. Interest is 100% deductible as of April 1, 2025.
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Send my numbers to an adviserReady to Use Your Equity?
Learn about the differences between new builds and existing properties, and discover the best strategy for your investment journey.
View Our Investment Strategy GuideImportant Disclaimer
Usable equity is an indicative calculation and depends on bank-specific lending criteria and current market valuations. This does not constitute a loan approval or financial advice.
DTI Disclosure Statement
The DTI results are indicative and based on a standard multiplier of 6x for owner-occupiers and 7x for investors. Banks may allow for 'high DTI' lending under specific 'speed limit' exceptions (up to 20% of their lending). This tool does not perform a full CCCFA affordability assessment, which would include a detailed review of your specific monthly 'discretionary' versus 'non-discretionary' spending. New builds are currently exempt from the RBNZ DTI restrictions.
These results are based on generic information and do not constitute a quote, pre-qualification, or an offer of finance. Actual borrowing capacity may vary based on lender-specific policies, credit history, and current market conditions.
Address
300 Richmond Road, Grey Lynn, Auckland 1021
Phone
021 227 4246FSP
NetworkG Partners Ltd (FSP1010947) t/a Finance in NZ, authorised by Link Financial Group 2022 Ltd (FSP1004590)
