Take-home income
Household income after tax and deductions, available for your monthly budget.
Find a price that fits your life
House Affordability Calculator
Start with your household budget and savings. Explore an illustrative buying budget while keeping room for living costs and a cash buffer.
Fiji dollars (FJD)Illustrative planning toolYour numbers
The starting values are examples, not quoted lending rates. Replace them with your own figures. All fields are required unless marked otherwise.
Your estimate
Example inputs are ready. Select Calculate estimate to see results.
Adjust the figures to explore your scenario.
Illustrative purchase price ceiling
Cash available for deposit
Estimated loan amount
Monthly loan repayment
Repayment + ownership costs
- Monthly repayment budget
- Loan capacity from monthly budget
- Cash left after costs and repayments
- Your requested monthly savings / buffer
- Repayment if rate rises by 2 percentage points
- Cash left in that higher-rate scenario
Use this as a starting point: the price is limited by both your repayment budget and your available deposit. It is not a property valuation or lending decision.
Assumes constant interest and monthly principal-and-interest repayments. Buying costs and ownership costs are fixed amounts you enter. It does not model grants, borrowing for the deposit, extra repayments, future income changes or lender-specific assessment buffers.
Your questions, answered
Frequently asked questions
How is the purchase price estimated?
First we find the monthly payment your take-home budget supports. If enabled, the gross-income limits may reduce that amount. We convert it to a loan amount, then limit the purchase price by the deposit you have available after buying costs and your retained reserve.
Are the income limits Fiji bank lending rules?
No. The example percentages are editable planning assumptions. Each lender assesses income, existing commitments, dependants, security, valuation and its own requirements. You can switch these limits off to see your household-budget estimate.
Should I include my current rent?
Do not include rent that will end when you move into the home. Include rent or other housing obligations that will continue. Avoid counting the same expense twice across living costs, debt repayments and ownership costs.
Is a 20% deposit always required?
No. The example starts at 20%, but requirements depend on the lender, loan product, valuation and your circumstances. Enter the minimum contribution your lender requires. A smaller percentage in this tool does not mean a lender will accept it.
What should I include in ownership costs?
Allow for applicable insurance, council rates or lease charges, repairs and maintenance. Use monthly equivalents and confirm costs for the actual property. These costs are separate from the loan repayment.
Why is the higher-rate scenario shown?
It estimates the same loan at an annual rate 2 percentage points above your entry. This is an illustrative stress check, not a forecast or prescribed lender buffer. Review whether the remaining cash still covers your savings goal.
What if I cannot support a loan repayment?
The borrowing estimate will be zero. Any positive cash left after costs and reserves is shown as a cash-only purchase budget. If buying costs and reserves exceed your cash, the calculator asks you to fix that shortfall before showing an estimate.
A little clarity goes a long way
Common terms
Gross income
Income before tax, used only for the optional percentage limits.
Available deposit
Cash remaining after upfront buying costs and the reserve you retain.
Ownership costs
Home-related costs beyond principal and interest, such as insurance and maintenance.
Loan capacity
The loan principal supported by the entered payment budget, rate and term.
Cash buffer
Money retained for emergencies or saved each month rather than committed to repayments.
Plan with confidence. Confirm with your lender.
This calculator is an estimate, not a loan offer, eligibility decision, property valuation or personalised financial advice. Rates, fees, lending criteria and property requirements vary. Confirm your figures with a Fiji lender and seek appropriate professional advice.