LVR Lending Capacity Calculator NZ 2026

This calculator works out how much extra you may be able to borrow against your home under the Reserve Bank's loan-to-value ratio (LVR) rules, and what that borrowing would cost you each week, fortnight, month and year. You enter the current RBNZ LVR limit that applies to you (80% for owner-occupiers, 70% for investors by default), your mortgage interest rate and the loan term for any additional lending. You then enter your original purchase price and deposit, plus your property's current market value and what you still owe on your mortgage. From these figures the calculator works out your equity and lending ratios both at purchase and against today's market value, your total lending capacity under the current LVR rule (property value multiplied by the LVR percentage), and your potential lending capacity, the gap between that ceiling and what you currently owe. It then converts that potential capacity into weekly, fortnightly, monthly and yearly repayments, plus the total interest and total repayments over the loan term. You can also enter a specific amount you are considering borrowing to see its own repayment breakdown alongside it. Use it to gauge how much headroom rising property values or paid-down debt have created before you approach a lender. Figures are indicative estimates only; your bank will apply its own servicing tests and lending criteria.

Enter your information into the calculator below, and push Calculate.