Finance Lab · Resources · Calculators · Borrowing capacity

Borrowing capacity check

How much could you borrow?

Plug in your household income, expenses, debts and deposit. We’ll estimate the loan amount you could service against today’s lowest panel rate — with the APRA 3% buffer baked in, the same way a lender would check you.

Coming soon. This borrowing-capacity calculator is being built on the same live lender-rate engine that powers our refinance and fix-vs-float tools. In the meantime, talk to a broker for a tailored borrowing estimate.
Your numbers

Tell us about your household

$
Combined net income after tax across the household.
Owner Occupier
Investor
Number of adults in the household.
Children or other financial dependants.
$
Optional. Leave blank to use the Household Expenditure Measure baseline.
Using HEM benchmark
$
Sum of car loans, credit card minimums and other ongoing debt.
$
Total cash available towards the purchase. Anything below 20% of the purchase price typically triggers Lenders Mortgage Insurance.
No phone number required. Estimates only — not a loan offer.
Your estimate

You could borrow up to $0

A purchase up to $0 with your $0 deposit.

Estimated monthly repayment
$0/month
at 0.00% serviceability rate (3.00% buffer)
Your LVR
0%
Loan-to-value ratio
Approx. stamp duty (SA)
$0
Rough estimate — varies by state
Likely LMI

Your deposit sits below the 20% mark, so Lenders Mortgage Insurance would likely apply — approximately $0. This can be added to the loan or paid upfront.

See today’s home loan rates → Talk to a broker →
Assumptions & limitations

Assumptions: 30-year P&I loan, APRA 3.00% serviceability buffer, HEM expense benchmark when not specified, state-specific stamp duty estimate (calibrated for SA; other states are placeholders). This is a guide only — your actual borrowing capacity depends on lender policy, credit assessment, and your individual circumstances. Subject to lender approval.