This chart series is built from our monthly homeloan affordability reports, sponsored by Roost, measuring the proportion of take-home pay needed to afford the mortgage payment.

This series tracks affordability for a 30-34 year old on a median income, buying a median-priced house, and there is a separate series for first-home buyers based on 25-29 year olds buying a first-quartile priced house.

For the full reports, see http://www.interest.co.nz/property/home-loan-affordability and http://www.interest.co.nz/property/first-home-buyer