What are you buying?
This sets the assessment rate and whether investment income and tax effects apply.
Home to live in
Investment
Step 1
Your Situation
Tell us about your household so we can apply the correct living expense benchmark.
Single
Married
De Facto
Friends / Siblings
Dependants
0
Step 2
Your Income
Enter gross (before-tax) figures. We'll calculate take-home pay using ATO 2025–26 individual tax rates.
📋
Assessment rate 9.09% (current rate + 3% APRA buffer) · P&I, 30-year term
Applicant 1 — Base Income
Amount
$
Frequency
Applicant 2 — Base Income
Amount
$
Frequency
Step 3
Credit Cards
Enter the total limit of each card (not the balance). Monthly repayment assessed at 3.8% of the limit.
Step 4
Other Commitments
Include monthly repayments for personal loans, car loans, HECS/student debt, or any other ongoing liabilities.
📊 Your Results
Estimated Maximum Borrowing Power
—
Enter income above to calculate
Combined gross income
—
Income tax & Medicare
—
Net take-home
—
Min. living expenses (HEM)
—
Available for mortgage
—
Enter your income above to see your borrowing power.
This calculator provides an estimate only and does not constitute financial advice or a loan offer. Figures use HEM living-expense benchmarks, ATO 2025–26 individual tax rates, the 2025–26 HECS/HELP repayment system, and a serviceability assessment rate including a lender buffer. Investment estimates apply rental-income shading and, where selected, an estimated negative-gearing tax benefit. Actual borrowing capacity depends on lender policy, credit history, and full financial assessment. Speak with a mortgage broker for a personalised assessment.