How much can I borrow for a home loan?
Enter your household income, monthly expenses and existing debts to see an indicative borrowing capacity based on a standard APRA-style serviceability buffer.
Indicative borrowing capacity
$596,000
Plus your deposit of $100,000, target purchase price up to $696,000
Uses a 3% APRA-style buffer on top of your rate, over 30 years.
Indicative estimate only, not a loan approval or credit advice. Speak to a licensed lender or broker.
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Common questions
How do banks assess borrowing power?
Lenders take your after-tax income, subtract living expenses and existing debt repayments, then check whether the surplus covers a loan repayment at your rate plus a 3% buffer over 30 years.
Is this a pre-approval?
No. It is an indicative estimate only. For a formal pre-approval, speak to a licensed lender or mortgage broker.