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Our Expert team of mortgage brokers have helped thousands of Wellington home buyers and investors buy property.

How Much Can You Borrow


This is probably the most common question we get asked and there is no simple formula as everyone’s circumstances are so different. We see a number of websites trying to answer this question by fitting everyone into the same box but it honestly doesn’t work as easy as that. There are so many variables that need to be considered such as:


 Income
Deposit
Employment

Expenses
Property
and more...

Furthermore, there is often some ‘wiggle room’ as to how much you can borrow; its often not absolutely ‘black and white’. A well presented and thorough application highlighting the strengths and mitigating any weaknesses can often be the difference between a favourable outcome or not. So the best way to determine how much you can borrow is to give us a call and let one of our experts do the research for you.

We also see a surprising number of people who have spoken to their bank directly and have either been given an indication that arranging finance would be tough or have been declined. All is not lost in this situation; just because one lender says no doesn’t mean they all will . . . lending criteria can differ greatly from one lender to another. In some cases, we have even been successful in getting the existing bank to reconsider and overturn their original decision.


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