Borrowing power calculator

A simplified estimate of how much a lender might lend, using 2026-27 after-tax income, your expenses and the 3% serviceability buffer lenders apply.

Your gross salary ($/yr)

Partner's gross salary ($/yr)

Living expenses ($/month)

Other debt repayments ($/month)

Interest rate (%)

Loan term (years)

Estimated borrowing power

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Next step

What would my repayments be?Work out your stamp duty Can I buy with a 5% deposit?

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Find out what you can really borrow and which lenders accept a 5% deposit.

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How it works

Lenders also consider credit card limits, HECS-HELP debt, dependants and their own expense benchmarks, so real results vary — often significantly. A broker can compare lender policies.

Frequently asked questions

What is the serviceability buffer?

APRA expects lenders to assess whether you could repay at an interest rate at least 3 percentage points above the loan rate.

Does HECS reduce borrowing power?

Yes. Lenders deduct compulsory HECS-HELP repayments from your income.

Sources & rates

ATO – Tax rates for Australian residents

Rates checked 25 October 2026.

General information only — not financial, tax or legal advice. Results are estimates based on published government rates and simplified assumptions, and do not consider your personal circumstances. Always confirm with the State Revenue Office, the ATO, your lender, a licensed mortgage broker or a qualified adviser before making decisions.