Resources · Borrowing capacity

How much can I borrow?

Estimate what an Australian lender will likely approve, based on your income, household expenses, existing debts and the assessment rate (current rate plus the 3% APRA buffer).

Your details

Applicants
Income (gross, annual)
$
$
$
Existing commitments (monthly)
$
$
$
Loan parameters
%
years

You can borrow up to approximately

$0
Based on the assessment rate and standard servicing buffers
Monthly repayment $0
Assessment rate used 9.00%
Net surplus available $0/mo
HEM benchmark applied $0/mo
Want the exact number?
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Estimates only. Servicing calculations vary materially between lenders. This calculator uses a simplified model based on net income less the Household Expenditure Measure (HEM) benchmark and existing commitments, then back-solves a loan amount at the current rate plus the 3% APRA serviceability buffer. For interest-only loans, lenders assess the repayment as P&I over the residual term once the IO period ends, which usually lowers borrowing capacity. Actual borrowing capacity depends on the specific lender, the policy of the day, and the verified position presented in the application. The figures above do not constitute lending advice.

Want this modelled properly?

We run your actual income, structure and existing debts against three or four lender servicing calculators rather than one approximation. The right lender often borrows you tens or hundreds of thousands more.

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