Home Buying Resources

The National Bank's Home Buyers Centre has a range of calculators that will give you an idea of the financial figures you'll need when buying a home.

Budgeting to buy or sell

• Budget planner - how much can you afford to put towards your home loan repayments?
• How much do you need to save regularly to meet your goal?
• How long will it take to reach your savings goal?
• How much will you have saved after a given period? (taking interest and tax into account)
• What will be your total costs of buying? (including real estate and legal fees, utility connections, valuation and other reports, and moving costs)
• What will be your total costs of selling and buying another home?

Borrowing

• How much could I potentially borrow?
• What could the repayments be?
• What will your loan to property value ratio be?
• What will your deposit/equity to property value ratio be?

Renting?

• Work out how much you could potentially borrow if the amount you pay in rent was a home loan repayment

Buying a rental property?

• Work out the rental yield estimate

What next?

You may wish to request a conditional pre-approval online, to get an indication of how much you can spend before you start looking, or apply online for a home loan now.

Alternatively, call 0800 185 185 to talk to a lending specialist or find a Mobile Mortgage Manager near you, e-mail us or come into any branch.

Our lending criteria and an application fee apply. Conditions apply to home loan pre-approvals. For borrowing over 80% of a property's value, a Low Equity Premium on a graduated scale will apply. (Home Loan fees).