Borrowing Power

Enter your details. All figures are indicative and for general information only.

We convert gross to net using 2026/27 resident tax bands. The Medicare levy toggle applies a simple 2% estimate.
Simple estimate only; Medicare reductions, exemptions, and MLS are not modelled.
Used to set the minimum monthly expense floor.
Estimated at 3% of limits as a monthly commitment.
Concessions and surcharges vary by state and are flagged separately.
Used only for the foreign-purchaser surcharge estimate.
The calculator otherwise shows general duty for conditional concessions.
Max loan (buffered)—
Max loan (at your rate)—
Estimated net monthly income—
Assessed monthly commitments—
Indicative monthly P&I @ your rate—
Interest‑only monthly @ your rate—
LVR—
Estimated LMI—
Stamp duty (indicative)—

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.

Source metadata lives in /assets/calculator_sources.json.

This calculator provides general estimates only and is not financial advice. Please check with a licensed lender, broker, or financial adviser before making decisions.

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.

Open the First Home Buyer Hub