How much can I borrow?

A quick, indicative estimate of how much you might be able to borrow.

You could borrow around

$530,394

Indicative monthly repayment

$3,180

Indicative only. This uses a simplified tax estimate, a single combined income, and a 3% serviceability buffer — real borrowing capacity varies significantly by lender and your full circumstances. Not a loan offer or financial advice.

About this calculator

Your borrowing power is the amount a lender is likely to let you borrow, based on your income, your living expenses and any existing debts. Lenders also build in a safety margin — they assess your repayments at a higher 'buffer' rate to make sure you could still cope if rates rise.

This calculator gives you a ballpark figure to plan around. Every lender assesses borrowing capacity differently, so the real number can vary by tens of thousands of dollars between lenders — which is exactly where a broker helps.

Explore Home loans →

How it's calculated

  • We estimate your after-tax income from the gross figure you enter.
  • We subtract your living expenses and existing loan or card repayments to find your monthly surplus.
  • We assess that surplus at your rate plus a 3% buffer (as most lenders do) to work out the maximum loan it could support over your chosen term.

Frequently asked questions

Can't find what you're looking for? We're happy to help — book a free chat.

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