Borrowing Capacity Calculator (AU)
Calculate how much you can borrow for a home loan in Australia based on your income, expenses, and deposit. Free AU borrowing capacity calculator.
Borrowing Capacity Calculator (AU)
How it works
This calculator estimates borrowing capacity using a conservative Australian serviceability approach. It shades income, applies a floor to living costs, adds an APRA-style assessment buffer, and estimates the maximum repayment a lender may accept.
Examples
$95,000 income and $2,500 monthly expenses: often supports a mid-$400k to mid-$500k borrowing range depending on assessed rate and existing commitments.
Joint applicants: adding a second income can lift capacity materially, but lender policy and debt commitments still matter.
Methodology & assumptions
- Uses a simplified APRA-style serviceability buffer.
- Income is assessed conservatively rather than at 100% face value.
- Living expenses use the higher of declared expenses or a basic floor.
- This is an estimate, not a lending approval.
Frequently asked questions
Why is this lower than a bank ad?
Banks market headline rates, but approvals depend on stressed repayments, household spend, existing debts, and policy overlays.
Should I borrow my maximum?
Usually not. Leaving a buffer for rates, repairs, and life events is safer than stretching to the ceiling.
Disclaimer: Estimates only. Confirm with a licensed broker or lender before making a property decision.
Breakdown
How this result is worked out
Important information
Disclaimer: Estimates only. Confirm with a licensed broker or lender before making a property decision.