Indicative capacity
An estimated upper loan amount based on the assumptions entered.
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Free mortgage tool
Borrowing Capacity Calculator
Estimate how much you may be able to borrow using your income, expenses and current commitments.
Discuss your results with a mortgage broker
Chris can review your figures, explain relevant lender policies and help you understand the practical next steps.
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Results are indicative estimates only and may not include every fee, policy rule or personal circumstance. They are not financial, credit, tax or legal advice and do not guarantee loan approval.
Calculator guide
How to estimate your borrowing capacity
This calculator combines applicant income, other income, living expenses, commitments and a proposed loan scenario. It is designed to show how these inputs interact before a lender completes a formal assessment.
- 01Enter applicant income before tax and identify the income type.
- 02Add realistic monthly living expenses and every credit limit or loan commitment.
- 03Adjust the rate and term to compare scenarios, then discuss the result with a broker.
Assessment repayment
A stressed repayment used to allow for possible rate changes.
Monthly surplus
The estimated amount remaining after assessed expenses and commitments.
Worked-scenario tip
If income stays the same but an unused credit-card limit is reduced, the estimate may improve because the assessed commitment falls. The actual effect varies by lender.
Assumptions and limits
What this estimate cannot decide.
- The result is an estimate, not a loan offer or approval.
- Lender policies, rates, fees and assessment methods can change.
- Use current, realistic figures and seek personalised advice before acting.
Common questions
Is this what a bank will lend me?+
No. Each lender applies its own servicing rules and verifies your income, expenses, debts and security.
Why include credit-card limits?+
A lender may assess the available limit rather than only the current balance.
Should I use gross or net income?+
Use the income type requested by each field. Applicant base income is entered as annual gross income.