This affordability calculator is intended as a guide only and is based on the limited information provided by you. It is not an offer of finance from Westpac New Zealand Limited (Westpac) and is not personalised financial advice. The calculated figures are illustrative only and based on the accuracy of information entered. Any application for finance is subject to Westpac’s current home loan lending criteria, terms and conditions. Calculations are based on a Table repayments term loan. An establishment fee of up to $400 may apply. A Low Equity Margin may apply. Interest rates quoted are subject to change. An additional fee or higher interest rate may apply if an application is accepted but does not meet standard lending criteria.