Borrowing Power Calculator
Translate a comfortable monthly repayment into a conservative home-loan and property range, with an adjustable assessment buffer and buying costs deducted from your available cash.
What you can comfortably commit to repayments after expenses.
Cash available for both buying costs and the property deposit.
Enter your state-specific duty, conveyancing, inspections and loan setup costs.
Your expected product rate before the assessment buffer.
APRA-regulated banks must apply at least 3 percentage points; lender methods still vary.
This result is a repayment-budget boundary, not a lender approval. Keep room for insurance, council rates, strata, repairs and changing circumstances. The purchase range deducts entered buying costs from cash savings before adding the remaining deposit to the assessed-rate loan capacity.
Stress-rate buffer
APRA-regulated banks must apply at least a 3 percentage point serviceability buffer above the loan rate. The calculator defaults to 3 and lets you test a larger planning margin.
Deposit & LVR
If the estimated LVR is above 80%, lenders mortgage insurance may apply unless a scheme, guarantor or lender policy changes the requirement.
Is borrowing power the same as lender pre-approval?
Should I use maximum borrowing power as my budget?
Do I need stamp duty before trusting the result?
How does the assessment buffer affect the estimate?
Tax Accuracy & Sources
Converts a user-defined monthly comfort budget into a principal-and-interest loan estimate at the product rate plus the selected assessment buffer. It deducts entered buying costs from cash savings before estimating the property budget and LVR. It does not model lender-specific minimum living expenses, income shading, credit-card limits, other debts, DTI policy, credit history, grants, concessions or eligibility for approval.