Borrowing Power Calculator
Estimate a workable home-loan range from your monthly comfort budget — before lender ceilings become targets. Estimate a workable borrowing power range in Australia from your monthly comfort budget, deposit, and stress-rate assumptions.
What you can comfortably commit to repayments after expenses.
Cash deposit available at settlement.
A borrowing result is a planning boundary, not a permission slip. Keep room for insurance, council rates, strata, repairs, and rate movement before treating a property range as safe. Stamp duty and settlement costs reduce what you can commit to the purchase price — property budget is smaller than borrowing power once all upfront costs are included.
Stress-rate buffer
Lenders apply a 3% serviceability buffer above the actual rate. This calculator lets you set your own buffer to model conservative scenarios.
Deposit & LVR
A deposit below 20% typically requires lenders mortgage insurance (LMI), adding to upfront costs and reducing your net property budget.