Borrowing Power Calculator

Estimate how much you could borrow for a home loan — using the same APRA buffer and expense benchmark approach Australian lenders use.

Estimated borrowing power $0 at your selected rate
Your estimated borrowing power
$0
based on your income, expenses, and debts
Repayment: $0/mo
DTI: 0.0x
How we calculated your surplus income
Gross household income
$0/mo
Tax & Medicare levy
−$0/mo
Living expenses (HEM benchmark)
−$0/mo
Existing debts & commitments
−$0/mo
Net surplus available for new loan
$0/mo
The APRA serviceability buffer, explained
Your actual rate
0.00%
what you'd really pay
→
Bank's assessment rate
0.00%
+3% APRA buffer
The 3% buffer reduces your borrowing power by an estimated $0 (0%) compared to assessing at your actual rate.
Serviceability limit
$0
based on your surplus income at the assessment rate
Debt-to-income limit
$0
most lenders cap loans at ~6× gross income
Est. purchase price
$0
loan + deposit, at your LVR
Repayment buffer used
0%
of net income at assessment rate
Repayment at actual rate
$0
what you'd pay day-to-day
Borrowing power across interest rates
6.20%
Max loan
$0
👆 Tap or drag on the chart to see your borrowing power at other rates
Want to know your real borrowing power?
Every lender calculates this slightly differently. A broker can compare your situation across 30+ lenders to find your maximum, with no cost to you.
🔒 No spam, ever ⏱️ Takes 30 seconds ✅ Obligation-free
This calculator provides a general estimate only, using a simplified living-expense benchmark modelled on the publicly known structure of the Household Expenditure Measure (HEM) — it is not the actual licensed HEM table used by banks, which varies by lender, location, and is commercially confidential. Actual borrowing power varies significantly between lenders based on their own credit policies, risk appetite, and assessment of your specific circumstances. This is not a loan pre-approval. For an accurate assessment, speak with a mortgage broker.
📐
Want to boost your borrowing power?
Paying down credit cards, reducing limits, or restructuring debts can meaningfully increase what you qualify for. A broker can show you exactly how.
Household Single applicant · 0 dependants
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Application type
Dependants
Income Applicant 1: $90,000
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Applicant 1 annual salary Before tax, base salary
$
Other income Rental income (shaded 80%), bonuses etc. — annual
$
Existing debts No credit cards or loans
⌄
Credit card limits (combined) Assessed at 3.8% p.a. of the limit, regardless of balance
$
Other loan repayments Car loans, personal loans — monthly total
$
HECS/HELP debt Affects repayments via compulsory repayment %
Loan settings 6.20% rate · 30 yr term · 80% LVR
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Interest rate
%
Loan term
yrs
Deposit / LVR Used to estimate purchase price from your max loan
%