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Calculator
Borrowing capacity calculator.
An indicative guide to how much you could borrow, tested with the same 3% serviceability buffer lenders use.
Indicative estimate only, not a quote, loan offer or credit advice. Results use the figures you enter plus standard assumptions, exclude fees and charges, and government duties/concessions change. Any rate shown is one you set for comparison, not a rate we are offering. Your full financial situation needs to be considered before any loan offer. Ask us for exact numbers, it's free.
Indicative borrowing capacity
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Repayment on that amount: ,
Assessed monthly surplus: ,
Confirm my real capacity →
Our advice: don't take any online calculator as the final answer, results can sit well under (or over) what you can truly borrow. Deposit, income, debt, dependants and credit rating all matter, and every lender weighs them differently.
Good to know
Borrowing questions, answered.
How do lenders work out my borrowing capacity?
Lenders look at income, living expenses (with minimum benchmarks), existing debt repayments, credit card limits and dependants, then stress-test the loan at an assessment rate about 3% above the actual rate. Every lender weighs these differently, which is why one bank's 'no' isn't the market's 'no'.
Why do online calculators differ from what a lender offers?
Online calculators use simplified assumptions; each lender applies its own expense benchmarks, income shading and policies. Results can be well under, or over, your real capacity. Treat this as a guide, then let us confirm the real figure across 20+ lenders.
Do credit card limits reduce how much I can borrow?
Yes, lenders assess a monthly commitment against the full limit of every card you hold (roughly 3.8% of the limit per month), even if you never carry a balance. Reducing or closing unused limits is one of the quickest ways to lift capacity.
One lender's no isn't the market's no.
We review your capacity across 20+ lenders, free.