Mortgage & property
Borrowing Power Calculator
Find out how much you can borrow from an Australian bank. Enter your income, expenses, and debts to get a realistic estimate based on APRA serviceability rules.
Income
Expenses & debts
Auto-estimated from HEM benchmark
Loan settings
You could borrow up to
$0
That's a $0 property with 20% deposit
Monthly net income
$0
Monthly surplus
$0
Assessment rate
0.0%
Debt-to-income ratio
0.0x
Monthly repayment
$0
Property price (20% dep)
$0
Debt-to-income ratio gauge
DTI: 0.0x — calculating...
0xSafe <6Stretched 6–8Risky >812x
Monthly income waterfall
Sensitivity — borrowing at different rates
| Rate | Assessment | Borrow | Property (20% dep) |
|---|
Debt impact on borrowing power