Borrowing power calculator
An indicative range for what you could borrow, assessed with the buffer lenders actually apply. Treat it as a starting point for a conversation, not an answer.
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If it isn’t working, call0493 348 998and we’ll run the numbers with you — which is a better answer anyway, because we can use your actual situation.
Indicative borrowing range
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Lender policy varies widely — this is a range for a reason
- Midpoint estimate
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- Monthly surplus available
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- Repayment on the midpoint
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- Assessed at
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Where your monthly income goes
A lender works from what is left after everything else, not from your income. This is that arithmetic — and it is why reducing a credit card limit can move the estimate more than a pay rise.
A calculator can only tell you so much
These figures use general assumptions. What you can actually borrow depends on which lender you go to and how they assess your income — and that varies more than most people expect.