🇳🇿
Stackhold · New Zealand
Built for Kiwi investors, with RBNZ rules inside.
LVR 65% for investment, 80% for owner-occupied. DTI capped at 6–7×. Stress-tested at 8.5%. Rent in weekly. Bright-line and new-build exemptions — all modelled.
Dashboard
Your equity, headroom, and next move — at a glance.
🇳🇿 NZ · NZ$ · DTI 7× · /wk
Ask Stackhold
Net equity
$1,423,400
+ $12,400 projected this year
LVR
58%
of 80% cap
Plenty of borrowing room
DTI
5.1×
of 7× cap
Approaching cap
Servicing
12%
of rent roll
Rent covers outgoings
Next move · Q3 2027
You'll have $142k deposit ready — $820k new-build stays under 7× DTI.
Open scenario Ask Stackhold to refine
Income
$78,400
/ yr
Cashflow
−$42
/ wk
Capital
$612k
available
Yield
4.1%
gross
Occupancy
96%
12-mo avg
Your lending rules, built in
New Zealand serviceability, properly modelled.
RBNZ investor 65% LVR, 6–7× DTI, stress-tested to 8.5%.
- RBNZ investor LVR cap at 65% (80% for new-builds / owner-occupied) — editable per property
- DTI limit at 6× for investors, 7× for owner-occupiers (post-July-2024)
- Stress-test serviceability at a default 8.5% buffer
- Bright-line test auto-flagged on sale within 2 / 10 years
- Council rates, body corporate, insurance and maintenance modelled per property
- Rent entered weekly (52 weeks/year) — the Kiwi standard
Defaults in Stackhold · New Zealand
- Owner-occupied LVR
- 80%
- Investor LVR
- 65%
- DTI cap
- 7×
- Stress-test
- 8.5%
- Rent period
- weekly
- Currency
- NZ$
Every value is user-editable — defaults reflect typical lender policy.
Speaks your language
Native terminology, not translated.
Stackhold uses the terms you actually use — no US-tool-in-translation friction.
LVRDTIBright-line testCouncil ratesBody corporate
- Bright-line test → automatic tax-on-gain modelling if you sell inside the window.
- Negative gearing → offset losses against other income where rules allow.
- New-build DTI exemption → the engine applies the correct rule per property.
- Body corporate → per-property annual fee plus any special levies.
- Council rates, not property tax — stored and escalated separately.
- Interest-only (IO) vs principal-and-interest (P&I) per property with proper amortisation.
"Finally a tool that speaks NZ. LVR, DTI and the stress-test buffer are baked in — I stopped rebuilding spreadsheets every time the OCR moved."
Aroha T.
4-property investor · Auckland
Quick check · No sign-up
How much can you actually borrow?
Three fields. Five seconds. A real answer — using your market's DTI and LVR rules. Then you'll see what Stackhold unlocks when you plug in the full picture.
- NZ, AU, US rules baked in
- Stress-tested serviceability
- No tracking, no email required
Built for New Zealand investors.
Free forever. Pro when you want the 10-year forecast and AI.
No credit card · Cancel anytime · Your data stays in your private cloud account