Estimate capacity
Borrowing Power Calculator
Estimate how much you may be able to borrow using income, expenses, debts, dependants, interest rate and loan term. Results are estimates only — book a call with us to get lender-specific numbers.
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Common questions
Frequently asked questions
Why does this calculator not include my deposit?
Borrowing power is mainly about whether your income can support repayments under lender assessment rules. Deposit and LVR matter as a separate part of approval, which is why they are reviewed alongside borrowing capacity.
What is borrowing power?
Borrowing power is an estimate of the loan amount you may be able to service based on income, living expenses, debts, dependants, loan term and assessment rate.
How is borrowing power calculated?
This calculator estimates monthly surplus income and converts it into a loan amount using a repayment formula. Actual lenders may use different tax, expense and policy assumptions.
Can a guarantor increase borrowing power?
A guarantor may help with deposit or security position, but income and repayment capacity still need to satisfy lender assessment rules.
How can I increase borrowing power?
Reducing debts, improving income consistency, lowering ongoing commitments and choosing an appropriate loan structure may improve borrowing capacity.