Borrowing capacity estimate
Explore an indicative loan amount using your household income, expenses, debts and an adjustable assessment buffer.
Borrowing estimate tool
Illustrative borrowing capacity
$584,125
A simplified household cash-flow estimate. A lender assessment may differ.
Available for a loan $4,700
- Living expenses $3,500
- Other repayments $500
- Card commitment $300
- Savings allowance $1,000
- Assessment interest rate
- 9.00%
Keep a copy of these figures.
Email them to yourself or download a PDF, with your inputs and assumptions. No marketing.
How this estimate works
Illustration only, not financial advice, a loan offer or lender approval. Monthly principal-and-interest repayments, a constant nominal annual rate divided by 12, and no offset, redraw, interest-only periods or rate changes. Figures are rounded to whole dollars; lenders may calculate differently.
Model: supplied take-home income less household expenses, continuing loan repayments, 3% of credit card limits and your contingency allowance. The remaining monthly amount is converted to a loan at the interest rate plus assessment buffer. This is a simplified estimate, not a lender serviceability assessment. No lender expense benchmark, income shading, credit history, deposit/LVR, debt-to-income policy or tax assessment is applied. Dependants must be included in your entered household costs. A broker must assess your circumstances.
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