How much can you realistically borrow?
Estimate borrowing power using Australian tax, living expenses, debts and lender-style serviceability assumptions.
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Your estimated borrowing power
Lenders commonly test repayments at a higher rate to check whether you could still manage if rates rose. This is why the buffered estimate is usually lower.
Calculation assumptions and data sources
- Tax uses 2026/27 Australian resident rates. Medicare levy is optional and estimated at 2% when enabled.
- Borrowing power subtracts expenses, debts, HELP/HECS repayment, and 3% of credit card limits, then applies a 3% rate buffer.
- Stamp duty uses state/territory rates with buyer-type estimates where the available inputs support them. Conditional schemes are noted in the result message.
- LMI is an approximate owner-occupied full-doc estimate. Actual lender and insurer premiums vary.
This calculator provides general estimates only and is not financial advice. Please check with a licensed lender, broker, or financial adviser before making decisions.
What is affecting your borrowing power?
Income is only one part of the estimate. Living expenses, credit-card limits, personal or car loan repayments, HELP/HECS, dependants, the interest rate and the lender-style assessment buffer can all change the result.
See the main factors that can affect borrowing power Test repayments at different rates
Know how much you can borrow?
Turn that figure into a purchase plan by estimating your deposit, stamp duty, LMI and other upfront costs before you start inspecting property.
Buying your first home?
Turn a borrowing estimate into a purchase plan: check your deposit after costs, estimate conditional stamp-duty concessions, understand LMI and stress-test repayments.
Thinking about refinancing?
Compare the repayment change with switching costs, break-even time and the features you would actually use before applying for a new loan.