How much could you borrow?
Tell us about the household, what comes in and what goes out. We check it the way a lender would.
Your estimate
Enter a base salary and your living expenses to see an estimate.
- How much you could borrow, and the repayments on it
- Three ways to buy with your deposit, at 95%, 90% and 80% loan-to-value
- Stamp duty and any Lenders Mortgage Insurance for the state your postcode sits in
Your estimated borrowing power
Enter a base salary and your living expenses to see an estimate.
Explore a smaller loan, $10,000 at a time
Estimated repayments
Three ways to buy
The same borrowing power at three deposit positions, shown by loan-to-value ratio (LVR, the loan as a share of the price). Above 80% LVR, Lenders Mortgage Insurance (LMI) usually applies. General information, not a recommendation for your circumstances.
At your full borrowing power
A purchase up to – with your – deposit, after stamp duty and any Lenders Mortgage Insurance.
The deposit sits below 20% of the price, so Lenders Mortgage Insurance would usually apply. The figure above is an industry approximation, not an insurer’s quote. It can be added to the loan or paid upfront.
The deposit is too thin for this loan under standard lender policy (above 95% LVR). The numbers are shown so you can see the gap; the three ways to buy above use a smaller loan that fits. Talk to us about what could close it.
This sits inside standard lender policy, and the deposit clears 20% of the price, so no Lenders Mortgage Insurance applies.
Ready to talk finance?
Tell us about your plans and we'll come prepared. We compare 50+ lenders and handle the paperwork end-to-end.
Assumptions and limitations
This is an indicative estimate, not a credit decision, a pre-approval or any lender’s own calculator. Each lender applies its own policy, and your actual borrowing capacity depends on that policy, a full credit assessment and your circumstances. Subject to lender approval.
- Take-home income. Before-tax salaries have 2026-27 resident income tax, the 2% Medicare levy and the low income tax offset applied; a HELP/HECS debt adds the compulsory repayment. An after-tax salary is used as entered.
- Extra income is shaded. Rental income counts at 80% and bonuses, commissions and overtime at 80%, then tax is taken off at your marginal position. Other income counts in full and is treated as taxable.
- Living expenses. The higher of what you enter and a household benchmark (the Household Expenditure Measure, by adults, dependants and income) is used. The benchmark is a floor lenders apply, not a statement about how you live. Rent that continues after the loan is added on top.
- Commitments. Home-loan and personal-loan repayments as entered, plus 3.8% a month of your total credit-card limit (the limit, not the balance).
- Assessment rate and term. The product rate shown in the results plus the 3% serviceability buffer APRA, the banking regulator, requires (never below a 5.25% floor), on a principal-and-interest loan over the term you choose (10 to 30 years). Repayments are shown at the product rate itself.
- Debt-to-income ceiling. The estimate is capped at 6 times gross household income and rounded down to the nearest $1,000.
- Purchase side. Stamp duty is the current schedule for the state your postcode sits in (South Australia when none is entered), with first-home relief applied when you tell us it is your first home. Lenders Mortgage Insurance above 80% LVR is an industry approximation by LVR band, not an insurer’s quote. Purchase price is what the deposit stretches to after duty and LMI.