Borrowing Power Calculator
Wondering How Much You Could Borrow?
Whether you're buying your first home, upgrading, refinancing or investing, understanding your borrowing power is often the first step.
Use the calculator below to estimate how much you may be able to borrow based on your income, expenses and financial commitments.
Remember, every lender assesses applications differently, so this should be used as a guide only.
What Affects Your Borrowing Power?
Lenders look at a range of factors when assessing how much you may be able to borrow, including:
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Income and employment
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Existing loans and credit cards
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Living expenses
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Number of dependants
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Deposit size
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Credit history
While online calculators provide a useful starting point, your actual borrowing capacity may vary depending on the lender and your personal circumstances.