Looking for simple numbers?
Check your borrowing power, how much equity you could cash out, your repayments and more! Simple calculators whenever you need them.
What is my borrowing power?
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.
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
Enter your income and expenses, then press calculate to see your estimated borrowing capacity.
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What my repayments could be!
Loan Details
Enter 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%)
Estimated Loan Repayments
Repayment Schedule
Monthly:
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Fortnightly:
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Weekly:
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Interest Only repayments do not reduce your loan balance. Your full principal of remains owing at the end of the interest only period, at which point repayments will increase to cover both principal and interest.
Total Cost
Total Principal:
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Total Interest:
—
Total Cost:
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Principal vs Interest Breakdown
Enter details and calculate to see breakdown
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How much is stamp duty?
Property Details
Select the state or territory where the property is located
Enter the purchase price or market value of the property
Owner occupied properties may qualify for concessions
First home buyers may be eligible for stamp duty concessions or exemptions
Estimated Stamp Duty
Duty Breakdown
Stamp Duty:
$0
Registration Fee:
$0
Transfer Fee:
$0
Total Cost
Total Costs:
$0
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How much equity is in my home?
Property Details
Estimated market value of your property
Your current outstanding home loan balance
Your Available Equity
Equity Breakdown
Property Value:
$0
Current Loan:
$0
Total Equity:
$0
Usable Equity
Available Equity to use:
$0
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Speak to the team to find the best loan for you
What does my budget look like?
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
Monthly Income
Total Income:
$0
Monthly Expenses
Total Expenses:
$0
Surplus / Shortfall
Monthly Result:
$0
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Speak to the team to find the best loan for you
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!
