Split Banking Advantage Estimator

See how cross-collateralisation locks your equity.

The Split Banking Advantage

See how cross-collateralisation locks your equity.

1 Bank (Crossed) 2 Banks (Split)
Stable Market Market Shift (+10% / -10%)
Bank A

Family Home (80% Limit)

Value: $800,000
Max Borrowing: $640,000
Current Debt: $640,000

Investment (70% Limit)

Value: $1,000,000
Max Borrowing: $700,000
Current Debt: $700,000
Bank B
New Top-Up Capacity Available
$0
Both properties sit with Bank A. You are fully leveraged to your maximum operational limits.
Category
Budgeting
Information

Use the interactive tool to see the math in action. In our baseline scenario, a 10% market shift leaves a cross-collateralised investor with $0 in usable equity. By simply toggling to a split-banking structure, the exact same property values instantly unlock $64,000 in usable top-up capacity for future investments.

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