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

Borrowing

Renting?

Buying a rental property?

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).

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Budget Planner

Creating a budget is a great way to help you manage your finances. Enter your income and expenses into our Budget Planner, and we’ll do all the calculations and summarise your results.

Save your budgetPrint your budget
Income Type (after tax) Amount Frequency
$
$
$

Add another income? Fill in the entry below and click on the Add button

Income Type (after tax) Amount Frequency
Type a description
 $
Enter an amount
Your total after tax income is: $0.00
Next
Expenses Category Amount Frequency
$
$
$
$
$
$
$
$
$
$
$
$

Add another expense? Fill in the entry below and click on the Add button

Expenses Category Amount Frequency
Type a description
Please select a category
 $
Enter an amount
Your total expenses are: $0.00
Previous
Next
tips

Top tip: Estimating your expenses

Check your account and credit card statements for all your income and expenses. The more information and detail you enter into the Budget Planner the more accurate the results will be.

To complete your budget planning, please enter  information

Summary of your income and expenses

Total after-tax income $0.00
Total expenses $0.00
Surplus $0.00

Income summary

Show as a pie graph
Income Type Amount Percentage of
your income
Show as a list
Income Summary

Expenses summary

Show as a pie graph
Category Amount Percentage of
your expenses
Show as a list
Expense Summary
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Links
Save your budgetPrint your budget

What now?

You’ve made a good start to budgeting – take some time to review or discuss your results. You can either print your Budget Planner or save it as either a PDF or an excel document for future use.

Have you considered...

Save and Invest

Organising your savings and investments can be simple. All you have to do is decide what your goals are, and we can help you find the best way of achieving them.

More information

If you’d like to talk further about any of these options, call 0800 18 18 18, contact any branch, or e-mail us.

Read our general disclosure statement and our disclosure statement prepared under the Securities Markets Act 1988.

You'll need Adobe Acrobat Reader to read the PDF version. If you don't have it, don't worry - it's free. Just follow this link to the Adobe site to download a copy.

The taxation treatment of Portfolio Investment Entities is covered in the Investment Statement (PDF 138KB).

* ANZ Investment Services (New Zealand) Limited is the issuer/manager of the National Bank Call Fund. The New Zealand Guardian Trust Company Limited is the Trustee of the Fund. The National Bank of New Zealand, part of ANZ National Bank Limited is the distributor of units in the Fund. Units in the Fund do not represent deposits or other liabilities of ANZ National Bank Limited. An investment in the Fund is subject to investment risk, including possible delays in repayment and loss of income and principal invested. No member of the ANZ National Bank Limited Group, the New Zealand Guardian Trust Company Limited or any other person guarantees (either partially or fully) ANZ Investment Services (New Zealand) Limited or the capital value or performance of the Fund or any other products issued by them.

^ A copy of The National Bank KiwiSaver Scheme Investment Statement is available as a PDF at the below link, or you can request one to be sent to you by calling 0800 156 020 Guardian Trust Superannuation Trustees Limited is the issuer of The National Bank KiwiSaver Scheme, ING (NZ) Limited is the Administration and Investment Manager and The National Bank of New Zealand, part of ANZ National Bank Limited, is the Distributor. Units in the Scheme do not represent deposits or other liabilities of ANZ National Bank Limited. Units are subject to investment risk, including possible delays in repayment and loss of income and principal invested. No member of ANZ National Bank Limited Group, ING Group, Guardian Trust Superannuation Trustees Limited, its parent and their respective directors or any other person guarantees or secures (either partially or fully) ING (NZ) Limited and its subsidiaries or the capital value or performance of the Scheme or any other products issued or managed by them.

To keep your information, please save your budget before exiting the tool.
Press OK to continue, or Cancel to stay on the Budget Planner.

National Bank Personal Loan Debt Consolidation Calculator

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How much could you save if you combined all of your debts into one loan? Simply enter the details of your existing debts into the calculator below, and we’ll tell you how much you could save with a National Bank Personal Loan.

Who I owe money to: Total Owed Interest Rate Repayments Frequency Interest Paid
Car Loan $ % $
$
+ Add another
Car Loan
- Remove
add
remove
Personal Loan $ % $
$
+ Add another
Personal Loan
- Remove
add
remove
Credit Card $ % $
$
+ Add another
Credit Card
- Remove
add
remove
Hire Purchase $ % $
$
+ Add another
Hire Purchase
- Remove
add
remove
Store Card $ % $
$
+ Add another
Store Card
- Remove
add
remove
Other $ % $
$
+ Add another
loan
- Remove
add
remove
Total Total Interest paid

Now click calculate to see your potential savings 

 Calculate

This is an estimate only; it is provided for illustrative purposes only and is based on the accuracy of the information provided. It does not constitute a quote. The interest rate stated is the current rate applicable to National Bank Personal Loans and is subject to change. All applications for credit are subject to The National Bank’s normal lending approval criteria. Terms and conditions are available on application. A minimum loan amount of $3000 applies. Personal Loans cannot be used to repay an existing National Bank Personal Loan or to repay family and friends. Fees and charges apply. The National Bank, part of ANZ National Bank Limited.