Buyer Tools
Borrowing Power Calculator
Estimate how much you can borrow based on your income, expenses, and dependants.
$120,000
$30K$500K
$3,500
$1K$15K
9.00%
Lenders assess at a buffer above the actual rate. 9% is a typical benchmark.
Estimated Borrowing Power
You may be able to borrow up to
Total Income (annual)
Annual Expenses
Net Surplus (annual)
Dependant Reduction
Estimate only. Actual borrowing capacity varies by lender, credit history, existing debts, and property type. Speak to a mortgage broker for a formal assessment.
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