No more guessing at online calculators. We check your borrowing power across the market and give you a straight answer on what you can afford — plus a plan to get there if you're not quite ready. Our advice is free; the lender pays us when your loan settles.
We look at your income, expenses and deposit the way lenders do, then tell you the realistic number across the market — not just what one bank's calculator spits out.
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Not sure if your deposit is enough? We map out KiwiSaver withdrawal, savings and any support available, so you know exactly what you need and when you'll be ready.
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If the numbers aren't there yet, we'll show you what to change — reducing debt, tidying spending or timing your application — so you can borrow more when you're ready.
Talk to Jonathan →Once you're ready, we handle the pre-approval so you can house-hunt and make offers with confidence — knowing your finance is lined up and the lender is on side.
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I'm Jonathan Smith, a licensed financial adviser with MapMy Financial Group. I'm not tied to any bank, so I compare the whole market and tell you what I'd do in your position. Same person from first chat to settlement.
"Jonathan took care of everything and made the process so easy — and worked hard to get us far better deals than we would have got ourselves."
— Andrew, Google reviewTell us a little about your situation and we'll come back with a clear picture of your borrowing power and the next steps. Free, no obligation.