Borrowing Power Calculator: How Much Can I Borrow?

Discover how much you could potentially borrow for your home loan

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 is an estimate only and not a loan approval or guarantee

• Actual borrowing capacity depends on lender criteria and full assessment

• Rates and policies vary between lenders

• Consider seeking professional financial advice

Get expert help to find the right home loan for your situation