{"title":"Borrowing Power \u0026 LVR Calculator NZ — How Much Can I Borrow?","description":"\u003cdiv class=\"kiwi-calc-embed\" id=\"kc-blv\"\u003e\n\u003cstyle\u003e\n.kiwi-calc-embed{color:#0f172a;line-height:1.5;max-width:760px;margin:0 auto;text-align:left}\n.kiwi-calc-embed *{box-sizing:border-box}\n.kiwi-calc-embed .sub{color:#475569;margin:0 0 18px;font-size:1rem}\n.kiwi-calc-embed .card{background:#fff;border:1px solid #e2e8f0;border-radius:16px;padding:20px;box-shadow:0 1px 2px rgba(15,23,42,.04)}\n.kiwi-calc-embed .grid{display:grid;gap:14px;grid-template-columns:1fr 1fr}\n.kiwi-calc-embed .full{grid-column:1\/-1}\n.kiwi-calc-embed label{display:block;font-size:.85rem;font-weight:600;margin-bottom:6px}\n.kiwi-calc-embed input,.kiwi-calc-embed select{width:100%;padding:10px 12px;border:1px solid #e2e8f0;border-radius:10px;font-size:1rem;font-family:inherit;background:#fff}\n.kiwi-calc-embed .hint{font-size:.8rem;color:#475569;margin:4px 0 0}\n.kiwi-calc-embed .results{margin-top:18px;display:grid;gap:10px;grid-template-columns:1fr 1fr}\n.kiwi-calc-embed .stat{background:#f0fdfa;border:1px solid #99f6e4;border-radius:12px;padding:12px}\n.kiwi-calc-embed .stat b{display:block;font-size:.75rem;color:#115e59;text-transform:uppercase;letter-spacing:.04em}\n.kiwi-calc-embed .stat span{font-size:1.25rem;font-weight:700}\n.kiwi-calc-embed .stat.neg span{color:#b91c1c}\n.kiwi-calc-embed .verdict{margin-top:14px;padding:12px 14px;border-radius:12px;background:#f8fafc;border:1px solid #e2e8f0;font-size:.95rem}\n.kiwi-calc-embed .note{font-size:.8rem;color:#475569;margin-top:12px}\n.kiwi-calc-embed .cta{margin-top:24px;padding:18px;border-radius:14px;background:#0f172a;color:#fff}\n.kiwi-calc-embed .cta a{color:#5eead4}\n.kiwi-calc-embed .cta .btn{display:inline-block;margin-top:10px;background:#0d9488;color:#fff;text-decoration:none;font-weight:700;padding:11px 18px;border-radius:999px}\n.kiwi-calc-embed h2{font-size:1.25rem;margin:32px 0 10px;letter-spacing:-.01em}\n.kiwi-calc-embed h3{font-size:1.02rem;margin:18px 0 4px}\n.kiwi-calc-embed p{margin:0 0 10px}\n.kiwi-calc-embed table.assump{width:100%;border-collapse:collapse;font-size:.9rem}\n.kiwi-calc-embed table.assump td{padding:6px 8px;border-bottom:1px solid #e2e8f0;vertical-align:top}\n.kiwi-calc-embed table.assump td:first-child{font-weight:600;width:42%}\n.kiwi-calc-embed .related ul{margin:0;padding-left:1.2rem;line-height:1.8}\n.kiwi-calc-embed .kiwi-adsense{margin:18px 0}\n.kiwi-calc-embed .small{font-size:.8rem;color:#64748b}\n@media (max-width:560px){.kiwi-calc-embed .grid,.kiwi-calc-embed .results{grid-template-columns:1fr}}\n\u003c\/style\u003e\n\u003cp class=\"sub\"\u003eTwo checks every NZ bank runs: is your deposit enough under the Reserve Bank's LVR rules, and can you service the loan at the bank's test rate? Enter the price, deposit, income and expenses to see how much you could borrow and where the gap is.\u003c\/p\u003e\n\u003c!-- kiwi-adsense-unit --\u003e\u003caside class=\"kiwi-adsense\" aria-label=\"Advertisement\"\u003e\u003cins class=\"adsbygoogle\" style=\"display:block\" data-ad-client=\"ca-pub-9781689220471996\" data-ad-format=\"auto\" data-full-width-responsive=\"true\"\u003e\u003c\/ins\u003e\u003cscript\u003e(adsbygoogle = window.adsbygoogle || []).push({});\u003c\/script\u003e\u003c\/aside\u003e\u003c!-- \/kiwi-adsense-unit --\u003e\n\u003cdiv class=\"card\"\u003e\n\u003cdiv class=\"grid\"\u003e\n\u003cdiv\u003e\n\u003clabel for=\"kc-blv-price\"\u003eProperty price (NZ$)\u003c\/label\u003e\u003cinput id=\"kc-blv-price\" type=\"number\" inputmode=\"decimal\" min=\"0\" step=\"5000\" value=\"750000\"\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e\n\u003clabel for=\"kc-blv-deposit\"\u003eDeposit available (NZ$)\u003c\/label\u003e\u003cinput id=\"kc-blv-deposit\" type=\"number\" inputmode=\"decimal\" min=\"0\" step=\"5000\" value=\"225000\"\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e\n\u003clabel for=\"kc-blv-use\"\u003eProperty use\u003c\/label\u003e\u003cselect id=\"kc-blv-use\"\u003e\u003coption value=\"inv\" selected\u003eInvestment (existing home) — 70% LVR cap\u003c\/option\u003e\n\u003coption value=\"ooc\"\u003eOwner-occupier (existing home) — 80% LVR cap\u003c\/option\u003e\n\u003coption value=\"new\"\u003eNew build — LVR rules don't apply\u003c\/option\u003e\u003c\/select\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e\n\u003clabel for=\"kc-blv-income\"\u003eHousehold income before tax (NZ$ per year)\u003c\/label\u003e\u003cinput id=\"kc-blv-income\" type=\"number\" inputmode=\"decimal\" min=\"0\" step=\"1000\" value=\"160000\"\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e\n\u003clabel for=\"kc-blv-rentincome\"\u003eExpected rent from this property (NZ$ per week, 0 if owner-occupied)\u003c\/label\u003e\u003cinput id=\"kc-blv-rentincome\" type=\"number\" inputmode=\"decimal\" min=\"0\" step=\"5\" value=\"650\"\u003e\u003cp class=\"hint\"\u003eBanks usually count 70–80% of rent.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e\n\u003clabel for=\"kc-blv-expenses\"\u003eLiving expenses \u0026amp; other loan repayments (NZ$ per month)\u003c\/label\u003e\u003cinput id=\"kc-blv-expenses\" type=\"number\" inputmode=\"decimal\" min=\"0\" step=\"100\" value=\"4500\"\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e\n\u003clabel for=\"kc-blv-testrate\"\u003eBank test (servicing) rate (% p.a.)\u003c\/label\u003e\u003cinput id=\"kc-blv-testrate\" type=\"number\" inputmode=\"decimal\" min=\"0\" step=\"0.1\" value=\"8.0\"\u003e\u003cp class=\"hint\"\u003eBanks assess you at a rate 1.5–3% above the advertised rate.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e\n\u003clabel for=\"kc-blv-term\"\u003eLoan term (years)\u003c\/label\u003e\u003cinput id=\"kc-blv-term\" type=\"number\" inputmode=\"decimal\" min=\"0\" step=\"1\" value=\"30\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"results\"\u003e\n\u003cdiv class=\"stat\" id=\"kc-blv-loan-box\"\u003e\n\u003cb\u003eLoan needed\u003c\/b\u003e\u003cspan id=\"kc-blv-loan\"\u003e—\u003c\/span\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"stat\" id=\"kc-blv-lvr-box\"\u003e\n\u003cb\u003eLVR\u003c\/b\u003e\u003cspan id=\"kc-blv-lvr\"\u003e—\u003c\/span\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"stat\" id=\"kc-blv-cap-box\"\u003e\n\u003cb\u003eMax loan under LVR rule\u003c\/b\u003e\u003cspan id=\"kc-blv-cap\"\u003e—\u003c\/span\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"stat\" id=\"kc-blv-service-box\"\u003e\n\u003cb\u003eIndicative serviceable loan\u003c\/b\u003e\u003cspan id=\"kc-blv-service\"\u003e—\u003c\/span\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"stat\" id=\"kc-blv-gap-box\"\u003e\n\u003cb\u003eShortfall \/ headroom\u003c\/b\u003e\u003cspan id=\"kc-blv-gap\"\u003e—\u003c\/span\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"stat\" id=\"kc-blv-repay-box\"\u003e\n\u003cb\u003eRepayment at test rate (per month)\u003c\/b\u003e\u003cspan id=\"kc-blv-repay\"\u003e—\u003c\/span\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"verdict\" id=\"kc-blv-verdict\"\u003e\u003c\/div\u003e\n\u003cp class=\"note\"\u003eGeneral information only — not financial, tax or legal advice. Figures are estimates from the inputs you enter. Confirm with your adviser, accountant, lender or insurer.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cscript\u003e(function(){var R=document.getElementById('kc-blv');var $=function(id){return R.querySelector('#kc-blv-'+id);};\nvar fmt=function(n){return (isFinite(n)?n:0).toLocaleString('en-NZ',{style:'currency',currency:'NZD',maximumFractionDigits:0});};\nvar pct=function(n,d){return isFinite(n)?n.toFixed(d==null?2:d)+'%':'—';};var num=function(id){var v=parseFloat(($(id)||{}).value);return isFinite(v)?v:0;};\n\nfunction calc(){var price=num('price'),dep=num('deposit'),use=$('use').value;var loan=Math.max(0,price-dep);var lvr=price\u003e0?loan\/price*100:0;var capPct=use==='inv'?0.70:(use==='ooc'?0.80:1.0);var cap=price*capPct;\nvar rent=num('rentincome')*52*0.75;var afterTax=num('income')*0.72+rent;var monthlyCap=afterTax\/12-num('expenses');var r=num('testrate')\/100\/12,n=Math.max(1,num('term'))*12;\nvar service=monthlyCap\u003e0\u0026\u0026r\u003e0?monthlyCap*(1-Math.pow(1+r,-n))\/r:0;var maxLoan=Math.min(cap,service);var gap=maxLoan-loan;var repay=r\u003e0?loan*r\/(1-Math.pow(1+r,-n)):loan\/n;\n$('loan').textContent=fmt(loan);$('lvr').textContent=pct(lvr,1);$('lvr-box').className='stat'+(lvr\u003ecapPct*100+0.01?' neg':'');$('cap').textContent=use==='new'?'No cap (new build)':fmt(cap);$('service').textContent=fmt(Math.max(0,service));$('gap').textContent=(gap\u003c0?'−':'')+fmt(Math.abs(gap));$('gap-box').className='stat'+(gap\u003c0?' neg':'');$('repay').textContent=fmt(repay);\nvar v='';if(lvr\u003ecapPct*100+0.01)v+='Your LVR of '+pct(lvr,1)+' is \u003cstrong\u003eabove the '+Math.round(capPct*100)+'% cap\u003c\/strong\u003e for this property type — you\\'d need about '+fmt(loan-cap)+' more deposit, or a bank willing to use its limited high-LVR allowance. ';\nif(service\u003cloan)v+='On these figures the bank\\'s servicing test supports roughly \u003cstrong\u003e'+fmt(service)+'\u003c\/strong\u003e, about '+fmt(loan-service)+' short of the loan you need. ';\nif(!v)v='On these figures the loan looks \u003cstrong\u003ewithin both the LVR cap and a typical servicing test\u003c\/strong\u003e, with about '+fmt(gap)+' of headroom. Banks apply their own policies — treat this as a first screen.';\n$('verdict').innerHTML=v;}\n\nR.querySelectorAll('input,select').forEach(function(el){el.addEventListener('input',calc);el.addEventListener('change',calc);});calc();})();\u003c\/script\u003e\n\u003cdiv class=\"cta\"\u003e\n\u003cstrong\u003eBuying to rent? Set the records up before settlement.\u003c\/strong\u003e\u003cbr\u003eThe NZ Landlord Pack — rental tracker + Healthy Homes checklist for up to 10 properties (Excel \u0026amp; Google Sheets). NZ$39.\u003cbr\u003e\u003ca class=\"btn\" href=\"\/products\/nz-landlord-pack-rental-property-tracker-healthy-homes-checklist-excel-google-sheets-digital-download\"\u003eGet the Landlord Pack — NZ$39\u003c\/a\u003e\u003cp class=\"small\" style=\"color:#94a3b8;margin:10px 0 0\"\u003ePrices exclude GST. Illustrative tools only — not legal, tax or financial advice.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003ch2\u003eLVR rules in plain English\u003c\/h2\u003e\n\u003cp\u003eThe Reserve Bank limits how much of a bank's new lending can go to high-LVR borrowers. Since 1 July 2024 the settings are: owner-occupiers need a 20% deposit (80% LVR) with banks allowed 20% of their lending above that; investors buying existing homes need a 30% deposit (70% LVR) with only 5% of bank lending allowed above it. New builds are exempt. Banks can be stricter than the rule.\u003c\/p\u003e\n\u003ch2\u003eServicing — the test that usually bites\u003c\/h2\u003e\n\u003cp\u003eBanks don't assess you at today's rate. They add a buffer (a \"test rate\" typically 1.5–3% higher) and check the repayments fit after tax, living costs, other debts and a haircut on rental income (usually counted at 70–80%). This calculator uses a simple version of that: after-tax income plus 75% of rent, less monthly expenses, amortised at your test rate. The Reserve Bank's debt-to-income (DTI) limits — 6× for owner-occupiers, 7× for investors — also apply since July 2024.\u003c\/p\u003e\n\u003ch2\u003eAssumptions and sources\u003c\/h2\u003e\n\u003ctable class=\"assump\"\u003e\n\u003ctr\u003e\n\u003ctd\u003eLVR caps\u003c\/td\u003e\n\u003ctd\u003e80% owner-occupier \/ 70% investor on existing homes; new builds exempt — RBNZ LVR restrictions from 1 July 2024, rbnz.govt.nz\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDTI\u003c\/td\u003e\n\u003ctd\u003e6× owner-occupier \/ 7× investor debt-to-income limits (not modelled directly) — rbnz.govt.nz\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eIncome\u003c\/td\u003e\n\u003ctd\u003eAfter-tax income approximated at 72% of gross; rent counted at 75%.\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eServicing\u003c\/td\u003e\n\u003ctd\u003eMonthly surplus amortised at the test rate over the term; banks add their own buffers and minimum living-cost tables.\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/table\u003e\n\u003cp class=\"small\"\u003eLast reviewed 6 September 2026. Rates and thresholds change — check the linked sources before relying on a figure.\u003c\/p\u003e\n\u003c!-- kiwi-adsense-unit --\u003e\u003caside class=\"kiwi-adsense\" aria-label=\"Advertisement\"\u003e\u003cins class=\"adsbygoogle\" style=\"display:block\" data-ad-client=\"ca-pub-9781689220471996\" data-ad-format=\"auto\" data-full-width-responsive=\"true\"\u003e\u003c\/ins\u003e\u003cscript\u003e(adsbygoogle = window.adsbygoogle || []).push({});\u003c\/script\u003e\u003c\/aside\u003e\u003c!-- \/kiwi-adsense-unit --\u003e\n\u003ch2\u003eFrequently asked questions\u003c\/h2\u003e\n\u003ch3\u003eHow much deposit do I need to buy an investment property in NZ?\u003c\/h3\u003e\n\u003cp\u003eGenerally 30% of the purchase price for an existing home, because the Reserve Bank's LVR restrictions cap most investor lending at 70% LVR. New builds are exempt from the LVR rules, so lower deposits are possible for them.\u003c\/p\u003e\n\u003ch3\u003eWhat is LVR?\u003c\/h3\u003e\n\u003cp\u003eLoan-to-value ratio: the loan divided by the property's value. A $525,000 loan on a $750,000 property is 70% LVR. Higher LVR means more risk for the bank and, in NZ, runs into the Reserve Bank's lending restrictions.\u003c\/p\u003e\n\u003ch3\u003eWhat is a bank test rate?\u003c\/h3\u003e\n\u003cp\u003eThe interest rate a bank uses to check you can afford repayments — deliberately higher than the rate you'd actually pay, so you can cope with rises. In 2026 test rates are commonly around 7–8.5%.\u003c\/p\u003e\n\u003ch3\u003eHow much can I borrow on my income in NZ?\u003c\/h3\u003e\n\u003cp\u003eAs a rough guide, banks lend around 5–6 times household income for owner-occupiers and up to 7 times for investors under the debt-to-income limits, subject to the servicing test. Your actual figure depends on expenses, other debts, dependants and the bank's policy.\u003c\/p\u003e\n\u003cscript type=\"application\/ld+json\"\u003e{\"@context\": \"https:\/\/schema.org\", \"@type\": \"FAQPage\", \"mainEntity\": [{\"@type\": \"Question\", \"name\": \"How much deposit do I need to buy an investment property in NZ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Generally 30% of the purchase price for an existing home, because the Reserve Bank's LVR restrictions cap most investor lending at 70% LVR. New builds are exempt from the LVR rules, so lower deposits are possible for them.\"}}, {\"@type\": \"Question\", \"name\": \"What is LVR?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Loan-to-value ratio: the loan divided by the property's value. A $525,000 loan on a $750,000 property is 70% LVR. Higher LVR means more risk for the bank and, in NZ, runs into the Reserve Bank's lending restrictions.\"}}, {\"@type\": \"Question\", \"name\": \"What is a bank test rate?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"The interest rate a bank uses to check you can afford repayments — deliberately higher than the rate you'd actually pay, so you can cope with rises. In 2026 test rates are commonly around 7–8.5%.\"}}, {\"@type\": \"Question\", \"name\": \"How much can I borrow on my income in NZ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"As a rough guide, banks lend around 5–6 times household income for owner-occupiers and up to 7 times for investors under the debt-to-income limits, subject to the servicing test. Your actual figure depends on expenses, other debts, dependants and the bank's policy.\"}}]}\u003c\/script\u003e\n\u003cnav class=\"related\" aria-label=\"Related NZ calculators\"\u003e\u003ch2\u003eRelated NZ calculators\u003c\/h2\u003e\n\u003cul\u003e\n\u003cli\u003e\u003ca href=\"\/collections\/investment-property-calculator-nz\"\u003eInvestment property calculator NZ\u003c\/a\u003e\u003c\/li\u003e\n\u003cli\u003e\u003ca href=\"\/collections\/nz-mortgage-repayment-calculator\"\u003eMortgage repayment calculator NZ\u003c\/a\u003e\u003c\/li\u003e\n\u003cli\u003e\u003ca href=\"\/collections\/nz-rental-yield-calculator\"\u003eRental yield calculator NZ\u003c\/a\u003e\u003c\/li\u003e\n\u003cli\u003e\u003ca href=\"\/collections\/rental-income-tax-calculator-nz\"\u003eRental income tax calculator NZ\u003c\/a\u003e\u003c\/li\u003e\n\u003cli\u003e\u003ca href=\"\/collections\/nz-calculators\"\u003eAll NZ calculators\u003c\/a\u003e\u003c\/li\u003e\n\u003c\/ul\u003e\u003c\/nav\u003e\n\u003c\/div\u003e\n","products":[{"product_id":"nz-landlord-pack-rental-property-tracker-healthy-homes-checklist-excel-google-sheets-digital-download","title":"NZ Landlord Pack — Rental Property Tracker + Healthy Homes Checklist","description":"\u003cp\u003e\u003cstrong\u003eEvery record your accountant asks for in April — kept in one place all year.\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eInstant download, no shipping.\u003c\/strong\u003e Your secure download link is emailed within minutes of checkout. Check the inbox you used at checkout, including spam and promotions. Files open in Excel or Google Sheets, on any device.\u003c\/p\u003e\n\u003ch3\u003eWhat's included\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eMulti-property tracker\u003c\/strong\u003e — up to 10 properties, with rent income and expense logs\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eIRD-aligned expense categories\u003c\/strong\u003e — rates, insurance, interest, repairs \u0026amp; maintenance, management fees and more, auto-totalled per category for your IR3R\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eAuto-calculating summary\u003c\/strong\u003e — per-property income, expenses and net result, updated live\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eHealthy Homes Standards checklist\u003c\/strong\u003e — heating, insulation, ventilation, moisture and draught-stopping, with an evidence column per property\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eInspection log and tenancy \u0026amp; bond register\u003c\/strong\u003e — your paper trail for bond lodgements, rent reviews, smoke alarm checks and insurance expiry\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003eBuilt for New Zealand rules rather than adapted from a US template. Buy once, use every year.\u003c\/p\u003e\n\u003ch3\u003eBond and tenancy paperwork\u003c\/h3\u003e\n\u003cp\u003eThe bond register records the amount held, the date received and the date lodged with Tenancy Services — bond must generally be lodged within 23 working days of receiving it. Come move-out, a refund deduction needs evidence and either the tenant's agreement or a Tenancy Tribunal order, so the dated condition and inspection entries are the part that matters.\u003c\/p\u003e\n\u003cp\u003eUse the free official residential tenancy agreement form from \u003ca href=\"https:\/\/www.tenancy.govt.nz\/\"\u003eTenancy Services\u003c\/a\u003e — we don't sell a substitute for it. The Pack tracks what you issued and when. Background reading: \u003ca href=\"\/blogs\/blog\/nz-landlord-responsibilities-obligations-checklist\"\u003eNZ landlord responsibilities checklist\u003c\/a\u003e and \u003ca href=\"\/blogs\/blog\/healthy-homes-compliance-statement-nz\"\u003ewhat a Healthy Homes compliance statement must contain\u003c\/a\u003e.\u003c\/p\u003e\n\u003ch3\u003eNeed the full compliance set?\u003c\/h3\u003e\n\u003cp\u003eThe Pack is the record-keeping core. The \u003ca href=\"\/products\/nz-landlord-compliance-kit\"\u003e\u003cstrong\u003eNZ Landlord Compliance Kit — NZ$99\u003c\/strong\u003e\u003c\/a\u003e builds on it with a quick-start PDF showing how to fill each sheet in under 30 minutes, plus the full tenancy, bond and inspection documentation set for landlords who want a file that stands up to an insurer, a property manager or the Tenancy Tribunal.\u003c\/p\u003e\n\u003cp\u003eStart with the Pack if you mainly need the numbers straight for your accountant. Choose the Kit if compliance evidence is the part that keeps you up at night.\u003c\/p\u003e\n\u003ch3\u003eBuying with confidence\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eSecure checkout; download link emailed within minutes\u003c\/li\u003e\n\u003cli\u003e7-day refund if the files won't open\u003c\/li\u003e\n\u003cli\u003ePrice excludes GST — GST is calculated at checkout\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003e\u003cem\u003eA record-keeping tool, not legal or tax advice. Confirm current-year rules with Tenancy Services, MBIE Healthy Homes guidance and your accountant or ird.govt.nz.\u003c\/em\u003e\u003c\/p\u003e\n\u003chr\u003e\n\u003cdetails\u003e\n\u003csummary\u003e\u003cstrong\u003eFree tools that pair with the Pack\u003c\/strong\u003e\u003c\/summary\u003e\n\u003cp\u003eIllustrative calculators, free to use — not advice.\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003e\u003ca href=\"\/collections\/nz-rental-yield-calculator\"\u003eRental yield calculator (gross \u0026amp; net)\u003c\/a\u003e\u003c\/li\u003e\n\u003cli\u003e\u003ca href=\"\/collections\/healthy-homes-standards-landlord-checklist-nz\"\u003eHealthy Homes Standards checklist\u003c\/a\u003e\u003c\/li\u003e\n\u003cli\u003e\u003ca href=\"\/collections\/rental-yield-calculator-nz\"\u003eWhat is a good rental yield in NZ?\u003c\/a\u003e\u003c\/li\u003e\n\u003cli\u003e\u003ca href=\"\/collections\/nz-mortgage-repayment-calculator\"\u003eMortgage repayment calculator\u003c\/a\u003e\u003c\/li\u003e\n\u003cli\u003e\n\u003ca href=\"\/collections\/nz-compound-growth-calculator\"\u003eInvestment \u0026amp; savings calculator\u003c\/a\u003e · \u003ca href=\"\/collections\/compound-interest-calculator-nz-guide\"\u003ehow compound interest works\u003c\/a\u003e\n\u003c\/li\u003e\n\u003cli\u003e\u003ca href=\"\/collections\/nz-gst-inclusive-exclusive-calculator\"\u003eGST calculator (add or remove 15%)\u003c\/a\u003e\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/details\u003e","brand":"The Kiwi Crate","offers":[{"title":"Default Title","offer_id":48865538113719,"sku":"KC-DIG-LLP-01","price":39.0,"currency_code":"NZD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0705\/3308\/7415\/files\/hero.png?v=1788661213"}],"url":"https:\/\/thekiwicrate.co.nz\/collections\/borrowing-power-lvr-calculator-nz.oembed","provider":"The Kiwi Crate","version":"1.0","type":"link"}