It Is an Estimate
The result is an indication of what you may be able to borrow based on the information you've entered.
Borrowing Power Calculator
Find out how much you could borrow in under 2 minutes. Use our free borrowing power calculator to estimate your borrowing capacity based on your income, expenses and existing debts.
Enter your income details
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Enter your expense details
Living expenses
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Debt repayments
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Total credit card limits
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You can borrow up to—
Monthly Repayment—
Fortnightly Repayment—
Weekly Repayment—
Loan Balance Chart
Loan BalanceTotal Payment
Chart appears after you calculate
Estimated repayments at 5.6% p.a.; maximum loan uses a serviceability assessment rate of 8.6% p.a. over 30 years (illustrative only).
Note: The information provided by the calculator is intended to provide illustrative examples based on stated assumptions and your inputs. Calculations are meant as estimates only and it is advised that you consult with a mortgage broker about your specific situation.
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Compare and save on your mortgage
See options from over 75+ lenders, including the big four banks. Our mortgage brokers compare rates, policies and features across our lender panel to help you find the loan that's right for you.
What Your Result Means
Understanding Your Estimate
Your borrowing power estimate is designed to help you plan your property journey with greater confidence.
It Is Not a Loan Approval
Formal approval requires a full assessment of your income, expenses, assets, liabilities and credit history by a lender.
Every Lender Is Different
Each lender has its own policies and servicing calculations. That's why borrowing capacity can vary between lenders.
We Can Help Improve Your Borrowing Capacity
Our brokers can review your situation, compare lender policies and help you explore strategies that may improve your borrowing position.
Frequently Asked Questions
Bank calculators sometimes use more optimistic assumptions to encourage enquiries. This estimate applies standard serviceability buffers more conservatively, which tends to be closer to what you'll actually be approved for.
Yes, generally — lenders treat it as an existing financial commitment, similar to a loan repayment, which reduces available serviceability.
It can shift meaningfully with each RBA cash rate movement — three changes have occurred already in 2026, which is exactly why an estimate from even six months ago may no longer be accurate.
No — this is an indicative estimate to guide your search. Formal pre-approval involves a credit check and full lender assessment.
Common levers include paying down existing debts, extending the loan term, adding a co-borrower, or adjusting the property price range — a broker conversation can map out which applies to your situation.
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