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Borrowing Capacity Calculator

FindMyBorrowingPower

How much can I possibly get to buy my home?

Income gross annual

Enter each applicant's gross annual salary before tax. Tax is calculated separately for each applicant so your combined net income is accurate.
70% of gross rental income is used for serviceability assessment (a 30% expense allowance is deducted).
Includes Family Tax Benefit, Centrelink payments and other government allowances. Added gross to net income.

Expenses & Commitments

Total household living costs including groceries, utilities, transport, insurance and childcare. The higher of your declared amount or the HEM benchmark is used.
Reassessed at the 8.80% assessment rate over an assumed 24.5-year remaining term, rather than taken at face value.
Ongoing holding costs for investment properties — council rates, strata/body corporate, insurance, property management fees and maintenance. Deducted in full from net income (existing investment mortgage repayments are captured separately above).
Covers personal loans, car/lease finance and other debts. Reassessed at the 8.80% assessment rate over an assumed 5-year remaining term.
Combined credit card and buy now pay later limits. 45.6% of the total limit is used as an annual commitment regardless of current balance.

Household

Children and other financial dependants. This affects the HEM living expense benchmark used in the serviceability assessment.

Loan Details

The repayment schedule used to assess your capacity. A longer term means lower repayments and generally higher borrowing capacity.

Estimated Borrowing Capacity

Estimated Maximum Borrowing
$0
Enter your income and expenses, then press Calculate.

Capacity Position

Where you sit relative to peak borrowing capacity

$0
$0
$0
$0
$0
Your position against peak borrowing capacity will show here once you calculate.

Peak borrowing assumes no mortgage, personal loans, credit cards, or other lending commitments apply. Living expenses are held at the higher of your declared amount or the HEM benchmark — your lifestyle costs are always reflected regardless.

Assessment rate of 8.80% p.a. applied. Existing mortgage and personal loan repayments are reassessed at this rate over assumed remaining terms (24.5 years and 5 years respectively) rather than taken at face value. Credit card commitment calculated at 45.6% of total limit. Rental income is included at 70% of gross (a 30% expense allowance is deducted), while declared investment property expenses are deducted from net income in full. HEM living expense benchmark (Melbourne Institute), banded by household income and family composition, applied where declared living expenses fall below it. A 1.0x net surplus ratio buffer is applied. Results are indicative only and not financial advice. Actual borrowing capacity depends on full credit assessment and lender policy.

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FindMyPurchasePrice

How much could I buy with my deposit and income?

Your Purchase
Owner Occupied
Investment
First Home Buyer
Please enter your available deposit.
The total cash you have to put towards the purchase. Stamp duty, government charges and fees are paid from this amount.
Income gross annual
Please enter at least Applicant 1's income.
For an investment purchase, 75% of the expected gross rent is assessed, with expenses only deductible above a 20% floor. For any other rental income, 70% of gross rent is used.
Family Tax Benefit, Centrelink payments and other government allowances.
Expenses & Commitments
The higher of your declared amount or the HEM living expense benchmark for your location, household and income is used.
Lenders assess your total card limits, not the current balance.

Purchase Power

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Estimates assume a 30-year principal and interest loan assessed at 8.80% p.a. Credit card commitments are calculated at 45.6% of the total limit, and existing debts are reassessed at the assessment rate. Living expenses use the higher of your declared amount or the HEM benchmark (Melbourne Institute, data as at 18 Aug 2026) for your location, household and income. Any lenders mortgage insurance (LMI) is added to the loan. Stamp duty, concessions, government charges and fees are indicative only, and First Home Guarantee eligibility and price caps are estimated. Results are general in nature, not financial advice, and your actual borrowing capacity depends on a full credit assessment and lender policy.

Loan Calculator

FindMyRepayments

How much will this cost me per month?

Loan Details

Enter the total loan amount you plan to borrow.
Enter the loan term in years (typically 25–30 years).
Enter your annual interest rate (e.g. 5.64 for 5.64%).
Principal & Interest
Interest Only

Estimated Loan Repayments

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Repayment estimates assume a constant interest rate over the term and don't account for rate changes, fees, or offset/redraw balances. Interest Only figures apply for the term entered, after which principal and interest repayments would typically apply on the remaining balance. Results are general in nature and not financial advice — confirm figures with your lender before proceeding.

Stamp Duty Calculator

FindMyStampDuty

What the Government is going to get out of this?

Property Details

Select the state or territory where the property is located.
Owner Occupied
Investment
First Home Buyer

Estimated Stamp Duty

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Stamp duty, registration and transfer fee estimates are indicative only, based on standard rates for a single property transfer. First home buyer concessions and exemptions are estimated using published thresholds and may not reflect every eligibility requirement. Results are general in nature, not financial or legal advice — always confirm figures with your state revenue office, lender or conveyancer before proceeding.

Equity Calculator

FindMyEquity

How much have you have paid off and how much you could use again

Property Details

Estimated market value of your property.
Your current outstanding home loan balance.

Your Available Equity

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Usable equity is estimated at 80% of your property's value, less your current loan balance. Actual usable equity depends on lender policy, LMI, and a full credit assessment. Results are general in nature and not financial advice — confirm figures with your lender or broker before proceeding.

Budget Calculator

FindMyBudget

How much I bring in and where does it go?

Income

Total combined net income per month for the household.

Expenses

Include regular costs like daycare or child support payments.
Expenses for school fees, supplies, uniforms, etc.
Monthly grocery spending (doesn't include takeaway etc).
Costs like council rates, utilities, maintenance etc.
Include health, car, home, and life insurance premiums.
Total expenses related to investment properties.
Costs associated with second homes, including insurance.
Combined monthly repayments for all liabilities.
Out-of-pocket medical costs, prescriptions, etc.
Monthly rental payments for your residence.
Haircuts, toiletries, cosmetics, etc.
Takeaway/dinner out, movies, subscriptions, hobbies, and leisure spending.
Mobile phone and home internet bills.
Fuel, registration, public transport, or car lease costs.
Miscellaneous expenses not covered above.

Your Budget Results

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Disclaimer:
We’ve done our best to make these calculators are accurate, but the results are just a guide. It’s not a quote or a loan pre-approval. Borrowing capacity estimates are subject to full lender assessment and unique lender policy. If you want to know more, feel free to get in touch!

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