How Much Could You Borrow?

Estimate your borrowing capacity based on income, expenses and existing commitments.

Your borrowing capacity depends on more than just income. Lenders assess a range of factors, including living expenses, existing debts, credit history and future financial commitments.

This calculator provides a general estimate of what you may be able to borrow. Actual borrowing limits vary between lenders due to differences in credit policy and assessment methods.

What to consider
  • Different lenders calculate income differently
  • Existing credit limits (even unused ones) can impact capacity
  • Dependants and living expenses matter
  • Interest rate buffers are applied to stress-test repayments