Calculators
Borrowing Power Calculator
Enter your income and commitments to estimate how much you could borrow. The interest rate is set from your housing and credit profile — adjust it if you like.
Household
Income
Housing & commitments
This calculator is a rough guide only. Everything shown here is for general informational purposes and is not a quote, an offer, or a pre-approval.
What's behind the number.
The calculator estimates the monthly surplus between your income and your outgoings — a standard household expense benchmark scaled to your household, plus your rent or mortgage and existing repayments — and then works out the loan that surplus could comfortably service at the assessment rate shown.
Illustrative example only: a single applicant earning $90,000 with no other loans, paying $500 a week in rent, might show a monthly surplus of around $1,500 — which at a 9% assessment rate over 7 years supports roughly $89,000 of borrowing. Your real capacity depends on a full assessment, and different lenders can land on quite different numbers.
That spread between lenders is exactly why a broker exists: the same application compared across our panel of 80+ lenders can surface a materially higher capacity — or a sharper rate at the same capacity — than any single bank would offer.
Common borrowing power questions
We estimate the surplus between your income and your living costs and existing commitments, then work out the loan that surplus could service at the assessment rate shown. It's a quick guide to your capacity, not a formal assessment.
No. The calculator runs entirely in your browser — it doesn't run a credit check or record anything against your file. A credit check only happens later, if you choose to formally apply through us.
We pre-set a typical rate based on the housing and credit profile you pick, so the estimate is realistic out of the box. You can adjust it to match a specific rate you've been quoted.
Treat it as a ballpark. Real borrowing capacity depends on a full assessment — verified income, the exact living expenses a lender uses, the rate and buffer they apply, and their individual policy. Different lenders can arrive at quite different numbers.
Possibly. Because lenders assess income, expenses and debts differently, comparing our panel of 80+ lenders can surface one that views your situation more generously than a single bank would.
A standard household expense benchmark scaled to your household, similar to the floor lenders use. Your actual spending may be higher or lower, which is one reason the final number can move at assessment.