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When you decide to buy a home there's a lot to know and do. Our six-step process makes it easier.
When you sell you are probably looking to buy again - which means twice the work. Follow our process so you know what's involved.
Property investment can be very rewarding, but it's not for everyone. Find out how it works and what's involved before you take the plunge.
Sometimes the only way to get what you really wnat is to build from scratch.
Are you getting the best out of your home loan?
 

Use this budget planner so you know what your current situation is and how much you might be able to afford to spend on your new home.

Home loan budget planner
Meeting your savings goal
How long will it take to reach your savings goal?
How much will you have saved?
What will it cost to sell and buy a home?
What will it cost to buy a home?
How much could I potentially borrow?
Work out what the repayments may be
Renting? Use your rent for a repayment
Investing in property? Work out a rental yield estimate.
Your loan to property value ratio
Your deposit/equity vs. property value
 

Home loan budget planner

Monthly Income

Salary/wages after tax



Existing Gross Rental Income



Proposed Gross Rental Income



Other Net Income
(e.g Dividends, Interest, Board)

 




 


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+ Add Another Other Income

Monthly Expenses

Repayments

Other Bank Existing Home Loan Repayments



Proposed New National Bank Repayments
(complete if known)



Government Student Loan
(incl. IRD deductions/voluntary repayments)



Personal Loan Repayments



Credit/Store Card Payments



Hire Purchase



 

Living Expenses

Motor Vehicle (e.g. Fuel, Registration, WOF)



Utilities
(e.g. Phone, Gas, Power)



Rates



Home Insurance



Household
(e.g. Food, Clothing, Travel, Health, Entertainment)



Education



 

Other Expenses

Other Insurance
(e.g. Contents, Medical, Life)



Superannuation



Other (e.g. Child Care, Child Support)



 


Rent/Board Paid (only if paid after loan is drawn)



 

 
 

 
 

 

Now that you have an idea of how much you can afford to put towards home loan repayments, you can work out how much you could potentially borrow.

This planner provides budget estimates only and should be altered to suit your individual circumstances.  This planner is not an offer of finance by The National Bank. All National Bank home loans are subject to the Bank’s lending and security criteria, applicable fees and interest rates, all of which are subject to change. A copy of the Bank’s disclosure statements is available from any National Bank branch.

 
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