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How much can I borrow?

Free First Time Buyer Mortgage Advice

Taking your first step onto the property ladder is an exciting time – but with so much to think about, it can be a little daunting. We believe everyone has the right to free mortgage advice, and as the NZ’s top rated first time buyer specialist, we’re better placed than anyone to walk you through the process of buying your first home.

We will provide you with a dedicated mortgage advice team who will be with you at every step of the journey. They will calculate exactly how much you can borrow, how much everything will cost, and walk you through the entire purchasing process from start to finish. We also do all the paperwork – no heavy lifting for you!

We offer a flexible service that gives you the power to choose how and when you want to deal with us. Whether that’s online, over the phone, or in branch over a hot cup of coffee – we’re here to help, whenever you need us.

We have a full process service to help make buying your dream home a more affordable reality, and with our unique “Best in market” mortgage promise, you have peace of mind we will find the best mortgage for you – guaranteed.

Come and see for yourself, and join the thousands of happy first time buyers we help every single year.

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Your ability to get a mortgage depends on a number of factors including the amount you’re looking to borrow and the relative size of your deposit, along with your credit history. Some additional factors to consider: your employment status and income, credit rating, expenses, dependent children, and existing debt.

Before applying for a mortgage, you may want to work out your budget to get an idea of how much you can borrow to cover your deposit and monthly repayments, and have enough spare for any associated fees.

You may need to try to reduce any existing debts and you may want to understand your credit score. You can get your score from your credit report. You’re entitled to one free copy from each of the three credit reference agencies – Experian, Equifax and Call Credit.

Lenders will often have very widely varying policies about their lending criteria, credit history and how much they will lend. Before you apply for a mortgage, it’s a good idea to know your ability to borrow. If not, a failed application could lower your credit score and negatively affect your future options.

EverBright Finance can help you get an eligibility check if you are a First Time Buyer, Home Mover or want to remortgage. We match your information with the affordability and eligibility criteria of the lenders who we work with on our panel. Then, each lender will return a unique result on their willingness to lend to you.

Please note that this service is not advice and does not look at whether a mortgage is suitable for your needs. Eligibility results from lenders are indicative only and may change if you choose to apply for a mortgage.

No, it won’t.  A soft search will not lower your credit score. Lenders are not able to view it on your credit report as you’re not actually applying for a mortgage.

In order to work out how much you could borrow we need to conduct a “soft” credit search with a credit reference agency against your credit file.

However, you will be able to view it under “Compare the Market – Mortgage” when you access your credit report.

We calculate your eligibility check based on the information you provided about your household, income, expenses, your borrowing requirements, and results of a soft credit bureau search. We base your results against a panel of lenders. Each lender returns a unique result on their willingness to lend to you. We’ve simplified this information and prepared a summary view to provide your eligibility amount or range.

The information we provide is a guide to help you understand your personal mortgage eligibility better. As a comparison service, we do not offer advice or recommendations in relation to specific mortgage products.

About our financial advisers

Ever Bright Finance is a licensed FSP of  New Zealand. (FSP624289)

All applications are subject to lending and eligibility criteria.

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0800 798 815


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