Borrowing Power Calculator
Guide only. We apply a serviceability buffer and household allowances. Actual borrowing varies by lender.
Income (monthly, after tax)
Applicants
Applicant 1 income
$
Applicant 2 income
$
Rental income
$
We count 80% of rental income.
Other income
$
Expenses & debts
Living expenses (min $2,000/month for 1 applicant)
$2,000 / month
Other loan repayments
$
Credit card limits (total)
$
We assume 3.85%/month of limits.
Number of dependants
$400/month per dependant.
Loan settings
Estimated interest rate (% p.a.)
Prefilled from our latest admin update (you can overwrite).
Loan length (years)
30 years
$0
Estimated borrowing power$0 / month
Repayment at entered rate0.00% p.a.
Assessment rate usedResults remain hidden until you submit your details below.
Unlock your estimate
Enter your details to see results on screen and receive a copy by email.
Enter detailsGuide only. Assumes: 80% rental income, 3.85%/mo of card limits, $400/mo per dependant, assessment rate = max(entered rate + 3.00%, 7.00%). Living-expense minimum varies by applicant count (1: $2,000; 2: $4,000).