Borrowing capacity estimate
How Much Can You Borrow?
Use this calculator to get a high-level estimate of your borrowing capacity based on income, expenses, liabilities, and loan settings. It’s a guide only — your actual borrowing power depends on lender policy and assessment.
Estimate before you apply
A clear snapshot of the numbers lenders often consider before issuing a formal approval.
✓ Income and bonus inputs
✓ Living costs and extra commitments
✓ Loan term and rate assumptions
Enter your details to build the estimate.
1
Income2
Expenses3
Liabilities4
Home loan settingsStep 1 of 4 — Income
Estimated Maximum Borrowing Capacity
$0 — estimate pending
This is an estimate only and is not formal loan approval. Actual borrowing capacity depends on lender policy, verification of income and expenses, credit assessment, property type, deposit, and other factors.
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