Use your income, expenses and debts to estimate how much you could borrow.
Who is applying?
Illustrative rate, not a lender offer
You could borrow up to
$549,000
- Monthly repayment
- $3,117.16
- Fortnightly
- $1,438.69
- Weekly
- $719.34
Your month at a glance
- Net income
- $8,000
- Living expenses
- -$3,284
- Loan repayments
- -$300
- Credit cards (3.8% of limits)
- -$190
- Left to repay a loan
- $4,226
Yr 30
Loan balance$0
Tested at 8.50%, 3% above your rate. Each dependant adds $4,800 a year to living expenses.
Calculator results are indicative estimates only and do not constitute a finance quote, offer, approval or financial advice. Actual repayments, rates, fees and loan terms depend on the lender, product and individual circumstances.
How the borrowing power figures are worked out
- 01
Your net income, less living expenses, existing repayments and a share of your card limits, is what you have left to repay a loan.
- 02
Lenders test that surplus at a rate about 3% above the actual rate, so you can still pay if rates rise.
- 03
The repayments shown are at the actual rate. Each lender assesses differently, so treat this as a guide.
Calculator results are indicative estimates only and do not constitute a finance quote, offer, approval or financial advice. Actual repayments, rates, fees and loan terms depend on the lender, product and individual circumstances.
- Split loanWork out the costs of splitting your loan into a fixed and a variable portion.
- Home loan offsetEstimate how much interest you could save by keeping your savings in an offset account.
- Introductory rateSee what happens to your loan with an introductory or honeymoon rate, and after it ends.
Want the real rate, not an estimate?
Ten minutes with a specialist turns these figures into actual lender options. No obligation.