Borrowing Power Analysis

Discover your borrowing capacity.

"Calculate your maximum borrowing power based on income, expenses, and Australian lending policies."

Note: This tool is optimized for owner-occupied purchases. For investment analysis, please book a deep analysis with our consultants.

Income

Applicant 1

Base Income (Gross)

Your normal base salary before tax or average casual income before tax.

Bonus/overtime

Variable payments usually shaded by lenders.

Tax-Free Income

Centrelink FTB, Pension or Child Support etc.

Gross Rent

Investment property rental income.

Household

Marital Status

Dependants

Average Living Expenses

This should include a realistic figure for your household including but not limited to: Groceries, Utilities, Insurances, Transport, School fees and any regular recreation and entertainment.

Total Credit Card Limits

The combined limit of all cards, regardless of balance.

Other Commitments

Car loans, personal loans, and any rental expenses that will continue after the loan.

Loan Parameters

Estimated Interest Rate pa

Loan Term30 Years

Ready when you are

Fill in your income, household and loan details, then press Calculate Borrowing Power to reveal your estimate.

Not a credit offer. Estimation based on standard Australian policy shading and HEM benchmarks. Decisions subject to formal verification.