How Much Can I Borrow?

Home Loan Calculators

How Much Can I Borrow?

Use our interactive calculator below to estimate your home loan borrowing capacity based on your current income, expenses, and preferred interest rate.

How much can I borrow? My home loan repayments My loan to value ratio (LVR)

Calculator Inputs

1. Application Details
2. Income (Before Tax)
$
$0 $250k+
$
$0 $100k+
3. Monthly Expenses & Liabilities
$
$0 $10,000+
$
$0 $5,000+
$
$0 $50,000+
4. Loan Details
%
1.0% 12.0%
years
5 yrs 30 yrs
ESTIMATED BORROWING CAPACITY
$0
MONTHLY REPAYMENT
$0
HEM LIVING BASELINE
$0
Loan Amortization Balance
Projection of outstanding loan balance over the amortization period.
Disclaimer: This calculator is an illustrative tool only and does not constitute an offer of credit or financial advice. The estimate is based on typical banking benchmark parameters and a 3.0% assessment buffer. Actual lender borrowing capacity varies according to specific criteria, credit policies, and individual financial circumstances.