Calculator
Borrowing Capacity Calculator
Estimate how much you may be able to borrow before lender policy, credit scoring and security position are assessed.
A 92% net surplus ratio is applied to your available monthly surplus as a conservative serviceability buffer. Actual lender assessments vary.
Want these numbers checked? Talk through the result with Rowan before you make a decision.
Borrowing capacity is policy driven
This calculator is deliberately conservative and simple. Real borrowing capacity changes by lender because each bank treats income, overtime, bonus, rent, self-employed income, credit cards, dependants and living expenses differently.
If you are self-employed, investing, buying with a guarantor, or have complex income, a manual assessment will be far more useful than an online estimate. Existing debts drag harder than most people expect: here is how a car loan affects your home loan borrowing power.