How much could you borrow?

Answer three quick steps — about you, your income, and your commitments — and we'll estimate your maximum borrowing power, with a full serviceability breakdown you can fine-tune live.

Your details

What are you buying?

🏠Home to live in

📈Investment

Household

Single

Married

De facto

Co-buyers

Dependants

None

Income

Assessment rate 9.09% (current rate + 3% APRA buffer) · P&I, 30-year term. Enter gross (before-tax) figures.

Applicant 1 — base income

Amount $

$0$500k

Frequency

Applicant 1 has a HECS / HELP debt

Credit cards & commitments

Credit cards — enter each card's limit (assessed at 3.8% / mo)

Other commitments — monthly repayments for car / personal loans etc.

Step 1 of 3 · About you

Your borrowing power

Estimated maximum borrowing power

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Enter income to calculate

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For mortgage

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Est. repayment

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Net income

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Assess. rate

Enter your income to see your borrowing power.

Where your monthly income goes

Living (HEM) — Commitments — For mortgage —

Full breakdown

Combined gross income—

Income tax & Medicare—

Net take-home—

Rental income (assessed)—

Negative gearing benefit—

Min. living expenses (HEM)—

Credit card repayments—

Other commitments—

HECS / HELP repayment—

Rent / board—

Available for mortgage—

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. This is general information only — it does not take into account your objectives, financial situation or needs, and is not a loan approval, pre-approval or an assessment of your borrowing capacity. Speak with a mortgage broker for a personalised assessment.