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How much could you borrow?
Adjust the details below and your estimate updates instantly. This uses the same assessment logic lenders apply, including a 3% serviceability buffer.
1About you
Applicants
Dependant children
{{ dependants }}
2Income
Your income (before tax)excluding super
$
Second applicant income (before tax)
$
Other incomeyearly
$
Rental incomeweekly
$
3Expenses and debts
Living expensesmonthly
$
Other loan repaymentsmonthly
$
Total credit card limitslimits, not balances
$
HECS or HELP debt
Repayments reduce your assessed income
4Loan settings
Interest rate{{ rateLabel }}
4.50%8.50%
Loan term{{ termLabel }}
10 years30 years
Important: This calculator provides an estimate only and is not an offer of credit or a quote. It applies general assumptions, including a 3% assessment buffer above the entered interest rate, standardised tax and Medicare levy calculations, minimum living expense benchmarks, rental income shaded to 80%, and credit card limits assessed at 3.8% per month. Actual borrowing capacity varies significantly between lenders and depends on a full assessment of your circumstances. Fees, charges and lending criteria apply. This information does not take your personal objectives, financial situation or needs into account. Speak with us before making any credit decision.
Sydney-based mortgage broker. 40+ lenders. 15 years inside the banks.
Maison Brown Financial Pty Ltd · Australian Credit Licence #384704 · Credit Representative #570440 · Aggregated under Finsure
This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances, and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.