Know your numbers. Own your future.
Free tools to model borrowing power, repayments, refinance saving, and investment returns. Tell us where you're at — we'll show you the most relevant ones first.
Calculators
Numbers you can trust before you talk to anyone. Run the figures, see where you stand.
How much can you borrow?
Realistic estimate based on your income, expenses and deposit, before you talk to a bank.
What will your repayments be?
Map out your weekly, fortnightly, or monthly cash flow impact across different interest rate scenarios.
When will you be mortgage-free?
Discover exactly how slight increases to your principal payments can slice years off your total loan term.
Where are you right now?
Advice differs by stage. Jump to what's relevant to you, or take the 60-second quiz.
Getting started
Deposit, KiwiSaver, pre-approval, lender choice for first-time buyers.
Strengthening your position
Better structure, faster repayment, fixed/floating splits, refinance.
Growth & expansion
First investment, equity unlock, upgrade, structuring the next move.
Long-term wealth
Multi-property optimisation, entity advice, financial freedom.
How Much Can I Borrow?
While this calculator provides a great estimate of how much you can borrow, remember that it is just a starting point.
What will the banks actually lend you?
Bank calculators are built to protect the bank, not you. Our 60-second snapshot uses real-time NZ lending criteria to reveal your true borrowing power. Whether you’re trying to step onto the ladder with a KiwiSaver deposit, or unlocking equity from your current home to fund your next big move, get your realistic number without the red tape.
✓ No credit checks, no impact on your score
✓ Updated for current NZ bank stress-test rates
✓ Takes just 3 minutes
When the math meets a strategy — of 3
Aarav
I’ve been working with Kevin & Simon and the team for several years across my property portfolio, and the experience has consistently been excellent. Their communication is clear, proactive and genuinely supportive. They make complex lending structures easy to understand and always present well-thought-out options that align with my goals. I highly recommend them to anyone looking for reliable and strategic mortgage advice.
*Alias name and photo used to protect client privacy
Bob
Great experience throughout the process. I've contacted MHQ for my first investment property. The team have gone through all the details and provided valuable advice. Highly recommend to anyone who may need Financial assistance.
*Alias name and photo used to protect client privacy
Joan
We are very happy with Hari’s service and would highly recommend him. He really knows what he is doing, is smart and efficient, and always gives practical advice. He is also very easy to reach and quick to respond, which makes the whole process so much easier. We really appreciate his professionalism and the way he gets things done. Thank you, Hari!
*Alias photo used to protect client privacy
The math is only half the picture.
Calculators give you estimates. MHQ gives you a plan.. A free 10-minute call turns your numbers into real lender options, structure recommendations and a clear next step.