Borrowing Capacity Calculator
Estimate how much you can borrow based on your income, expenses and current interest rates. Uses APRA serviceability guidelines.
Your Finances
Estimated Borrowing Capacity
$0
Based on 6.25% + 3% APRA buffer = 9.25%
Borrowing Range
Calculator FAQs
Why is my real borrowing capacity different from this estimate?
Lenders assess you at your rate plus a ~3% serviceability buffer, treat income types differently (overtime, casual, ABN), and apply their own expense benchmarks. Capacity can differ by $100,000+ between lenders on the same income.
Do credit card limits reduce my borrowing power?
Yes — lenders assess the full limit, not the balance. Reducing a $20,000 limit you don't use can lift your capacity meaningfully before applying.
Which lender will lend me the most?
It genuinely varies by profile — some lenders favour ABN income, others count more of your overtime or rental income. We calculate your capacity across multiple lenders in a free assessment: 0451 316 767.