Calculator
Borrowing Capacity Calculator
Estimate how much you may be able to borrow before lender policy, credit scoring and security position are assessed.
Estimated borrowing capacity $0
Monthly surplus$0
Repayment capacity applied$0
Credit card loading$0
A 92% net surplus ratio is applied to your available monthly surplus as a conservative serviceability buffer. Actual lender assessments vary.
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.