Estimate cash and borrowing change when moving.
Updates instantly. No input storage.
Compares funds available from the sale with the estimated funds needed for the next purchase.
The comparison uses entered sale, mortgage, cost, purchase, and retained-cash figures.
This NZ upgrade or downsize calculator estimates sale proceeds after the current mortgage and selling costs, subtracts cash retained after the move, then compares remaining funds with the next property purchase price plus buying and moving costs.
Use it when a sale result needs to connect to the next purchase, whether the goal is moving up, downsizing, or changing location. General information only. Estimate only. Results depend on user inputs.
If estimated proceeds are $444,000 and you retain $30,000 cash, $414,000 is available toward the next purchase scenario and buying costs.
If the next property and costs require more than the available funds, the calculator estimates a new loan need and compares it with the current mortgage balance.
This calculator does not include bridging finance, settlement timing, sale fall-through risk, tax, mortgage break costs, bank approval, valuation, insurance, body corporate adjustments, or every transaction-specific cost.
It does not imply lending approval, affordability, valuation certainty, or that an upgrade or downsize is suitable. Not legal, financial, tax, valuation, mortgage, insurance, investment, property, lending, or compliance advice.
The estimate combines user-entered sale, mortgage, selling cost, next purchase, buying cost, and retained cash figures. Review assumptions against agent appraisals, sale and purchase agreements, lender information, solicitor advice, insurance, and current quotes.
Use the moving property changeover workflow to connect sale proceeds, changeover costs, and next purchase estimates.
Relevant guides: Moving house changeover cost checklist NZ, LIM report checklist: what to review before buying, and Building Inspection Checklist NZ for due-diligence assumptions on the next property.
