🇳🇿 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.

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stack-hold.app

Dashboard

Equity, headroom, next move

🇳🇿 NZ

Net equity

$1,423,400

+$12,400 this year

LVR

58%

DTI

5.1×

Service

12%

+$12.4k projected

this year's equity

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Dashboard Portfolio Tenants Cashflow Manage Strategy Pro AI Pro

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

Serviceability OK

Stress-tested @ 8.5%

+ $12.4k projected

this year's equity

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.

"I'm not a spreadsheets person. Stackhold told me exactly when I could afford my first home — in a real number, in my own currency. No jargon."

Sam & Jess

First-home buyers · Christchurch

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.

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