Stress-tested serviceability
We test at 9.0% using a 6.0% rate plus a 3.0% assessment buffer over 30 years.
Borrowing Power Calculator Australia
How much can I borrow?
Start with income, living costs, debts, and loan purpose. We run a stress-tested serviceability estimate, then unlock the result by email.
6% rate + 3% buffer 30-year term Private page. No ad pixels.
What this tool does
- Turns gross income into an estimated net servicing position.
- Uses the higher of your declared costs or a HEM-style living-expense floor.
- Outputs one clean indicative borrowing figure for a first pass.
Enter Your Numbers
One quick pass.
Only the inputs that move serviceability.
How It Works
What this borrowing power calculator includes.
Declared costs vs HEM floor
The calculator uses the higher of your entered monthly expenses or a HEM-style household benchmark.
Loan purpose still matters
Owner-occupier, investment, commercial, and SMSF files can diverge later once policy fit is checked.
FAQ
Borrowing Power Calculator FAQs
Short answers to the questions people ask before using a how much can I borrow calculator.
Is this borrowing power calculator exact?
No. It is a planning estimate. Lender policy, living-expense rules, credit profile, and document quality can all move the final number.
Does investment, commercial, or SMSF borrowing work the same way?
No. This calculator gives a first-pass estimate only. Investment, commercial, and SMSF files often change once rent, entity structure, or policy fit is reviewed.
Why is the result behind email?
It lets us save the scenario and send the result through the lead pipeline cleanly. This page does not run ad pixels or third-party analytics.