This LVR borrowing capacity calculator will assist you in finding out what your potential scope for further borrowing may be. The RBNZ loan-to-value ratio restrictions are there to ensure borrowers and banks don't take unreasonable leverage risks. The current LVR lending rate for owner-occupier is 80% and 70% for investors purchasing using equity security. There are exemptions which you can check here.
It is here as part of our partnership with Calculate.co.nz.