Borrowing Power Calculator
Estimate how much you could borrow for a property
Your Financial Details
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Annual gross income
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Leave as 0 if not applicable
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Food, utilities, transport, etc.
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Car loans, credit cards, HECS
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Assessment rate: 9.0% (incl. 3% buffer)
Your Results
Estimated Borrowing Power
$476,414
Max Property Price$526,414
Est. Monthly Repayment$2,856
Debt-to-Income Ratio34.3%
Deposit$50,000
This is an estimate. Actual borrowing power depends on your lender's assessment criteria, credit history, employment type, and other factors.
Disclaimer: This calculator uses simplified calculations including an approximate 30% tax rate and a 3% serviceability buffer above the entered interest rate. It does not account for stamp duty, lenders mortgage insurance (LMI), or other purchase costs. Seek professional financial advice before making borrowing decisions.