Borrowing Power Calculator: How Much Can I Borrow?

An estimate of how much you could borrow. For exact capacity at a specific bank, get a free assessment.

Your Financial Details

Your Gross Annual Income ($)

Your Other Annual Income ($)

Rental income, investments, bonuses, etc.

Do you have a partner applying with you?

Number of Dependents

Children or other dependents you financially support

Monthly Living Expenses ($)

Rent, groceries, utilities, transport, etc. Lenders will use HEM (Household Expenditure Measure) if this amount is too low.

Existing Home Loan Repayments ($/month)

Monthly repayments on a home loan you're refinancing or already hold

Other Loan Repayments ($/month)

Personal loans, car loans — not your home loan

Credit Card Limits ($)

Total credit limits (not current balance)

Loan Term (Years)

Interest Rate (% p.a.)

Fill in your financial information to see your borrowing power

• This on-site calculator is an estimate only — not a loan approval or a lender’s figure

• Exact capacity at a specific bank needs that lender’s full assessment

• Rates and policies vary between lenders

• For an exact figure, get a free assessment below

This calculator is an estimate. Reach out for a free assessment and we’ll check what a particular lender can offer.