Borrowing capacity calculator

Get a quick estimate of how much you could borrow, based on your income, living expenses and debts. It takes about two minutes and doesn't affect your credit score.

Why lenders give different answers

Every lender works out borrowing power its own way. For the same income, one lender can offer noticeably more than another, depending on how it treats things like overtime and bonuses, rental income, HECS debt and living expenses.

This calculator gives you a starting point. A broker can tell you what each lender would actually offer, and which ones suit you best.

This calculator gives an estimate only and is general information, not a credit assessment or an offer of finance. It doesn't take into account your objectives, financial situation or needs. Results depend on the information you enter and each lender's own criteria. All loans are subject to lender approval.

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