💰 Free Calculator

Your Borrowing Power

Get a rough estimate of what you may be able to borrow. No sign-up required — just enter your numbers and see a ballpark figure instantly.

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Your Financial Details
The more accurate your inputs, the closer the estimate
💼 Income
$
Please enter your annual income to continue.
$
$
Overtime & bonus are assessed at 80% by most lenders
$
👨‍👩‍👧 Household
Single
Couple
Dependants 0
Used to calculate your HEM (minimum living expense benchmark)
💳 Financial Position
$
$
$
Banks count 3% of your credit card limit as monthly debt — even if you never use it
$
🏠 Loan Details
Maximum Borrowing Power
—
Enter your details and click Calculate
Max Property Value
—
Best Est. Rate
6.14%
LVR
—
Income & Serviceability Breakdown
Gross assessable income —
Estimated net income (after tax) —
Net monthly income —
Monthly surplus after expenses —
Max monthly repayment (85% of surplus) —
Stress test rate (APRA +3% buffer) 9.14% p.a.
🏦 What Lenders Would Offer You
Each lender uses different income shading, assessment rates & DTI limits
🔒
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Want your exact borrowing power?

This estimate uses industry-standard HEM benchmarks and APRA stress testing. A licensed broker will also factor in your credit history and each lender's live credit policy — giving you a precise, lender-verified figure. Free, no obligation, within 24 hours.

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Disclaimer: These calculations are estimates only and do not constitute financial advice. Actual borrowing capacity varies based on credit history, living expenses (HEM benchmark), and each lender's credit policy. Always consult a licensed mortgage broker or financial adviser before making any financial decisions.