How much can you borrow?
Get an instant estimate of your borrowing power and what the repayments would look like. No sign-up, no email required — just move the numbers and see.
Your details
Annual figures before tax, unless noted.
An estimate only — not an approval or an offer of credit. Every lender assesses income, expenses and debts differently, and your actual borrowing power may be higher or lower.
Your loan
See what a loan would cost you each month.
An estimate only. Excludes fees, charges and any offset or redraw benefits. Actual repayments depend on your lender and loan product.
How borrowing power is worked out
Lenders don't just look at your income. They work out what's genuinely left over each month, then stress-test whether you could still afford the loan if rates rose.
Income, after tax
Lenders start with your take-home pay. Bonuses, overtime and rental income are often counted at less than face value.
Living expenses
Your declared spending is compared against a benchmark for your household size — they use whichever is higher.
Existing commitments
Other loans count, and so do credit cards — assessed on the full limit, even if you never use it.
The rate buffer
What's left is tested at around 3% above the actual rate, to check you could still cope if rates rose.
Why your real number is usually different
Every lender treats income, bonuses, overtime, self-employment and expenses differently — two lenders can land tens of thousands apart on the same application. That's exactly what we're for: comparing hundreds of loan options across 40+ lenders to find the one that stretches furthest for your situation, at no cost to you.