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Borrowing power calculator.

A serviceability ballpark you can run yourself. For a real lender number, we'll model it across our panel.

An indicative number.

This uses a 3% APRA-style buffer. Real lender numbers vary with income type, expense category and policy quirks, so book a call if you want an assessment across our panel.

Set to 0 to use a HEM-style benchmark.
Indicative borrowing power
$0
Based on a 3.0% APRA-style buffer
Net monthly income—
Monthly commitments—
Available for repayment—
Assessment rate used—
Calculator disclaimer. Tools on this site are indicative only and do not constitute a lending decision, pre-approval, or financial advice. Actual figures depend on your circumstances and the lender's policies at the time. Stamp duty rates change with state budgets — confirm with the relevant state revenue office before relying on a number.

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