Borrowing Capacity Calculator
An estimate of the most a lender would lend you, from your income, debts and living costs, tested at APRA's serviceability buffer.
Your income & debts
Before tax (PAYG income). Include base salary + regular allowances.
Applying with a partner?
Rent you receive now. Lenders count 80% of it.
Assessment rate used: 9.85% (your rate + 3% APRA buffer)
Existing debts (leave blank if none)
Credit card limits are assessed at 3.8% a month, regardless of balance. For HECS/HELP, lenders count the compulsory repayment, worked out from each person's income at 2026-27 rates, not the balance.
Benchmark for this income: $2,500 a month. Lenders use the higher of your figure and their benchmark.
You could borrow up to
$423,924
~$2,778/month at 6.85% over 30 years
Lenders assess your application at 9.85% (APRA buffer). This is the stress-test rate, not your actual repayment rate.
How lenders see you
Estimate based on APRA's serviceability buffer. Actual capacity varies by lender, credit score, employment type and internal lending policy. A mortgage broker can compare those policies across the lenders on its panel.
General Advice Warning
The information on this site is general in nature and does not consider your personal circumstances, financial situation, or needs. Before acting on any information, you should consider its appropriateness having regard to your own situation and seek professional advice from a licensed financial adviser, mortgage broker, accountant, or solicitor.
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