Borrowing power calculator

Estimate how much a lender might let you borrow, using an APRA 3% serviceability buffer.

General information only. This calculator provides general information based on the figures you enter. It is not personal financial, credit, tax or legal advice and does not consider your objectives, financial situation or needs. By using this calculator you acknowledge the results are general in nature. Read our editorial guidelines.

Your details

Your gross annual income

Partner gross annual income (optional)

Dependants

Monthly living expenses

Existing monthly loan repayments

Advertised interest rate (% p.a.)

Loan term (years)

Results

Estimated max loan: $444,187
Assessed rate (incl. buffer): 9.24%
Net monthly income: $6,151.00
Monthly expenses used: $2,500.00
Monthly surplus: $3,651.00

Estimates only and general in nature. Not personal financial, credit, tax or legal advice. Confirm figures with your lender, accountant or the relevant state revenue office before making a decision. See our Disclaimer, Conflicts of Interest and How we get paid.