Borrowing Power
Estimate how much you could borrow based on your income and expenses.
Your Finances
$120,000
$30,000$500,000
$0
$0$500,000
$3,000
$500$15,000
$0
$0$10,000
6.5%
3%12%
Estimated Borrowing Power
You Could Borrow Up To
$475,707
$4,000Available / mo
Loan capacity
Expenses
Commitments
Tax (est.)
Est. Monthly Repayment
$3,007
Assessment Rate
9.5%
Incl. 3% APRA buffer
What Could You Buy?
With 20% deposit (no LMI)$594,634
With 10% deposit (LMI applies)$528,563
Property price estimates assume your full borrowing capacity is used. A 20% deposit avoids Lenders Mortgage Insurance (LMI).
How is this calculated?
Lenders assess your borrowing capacity at the current interest rate plus a 3% serviceability buffer (APRA requirement). Your after-tax income minus expenses and commitments determines how much you can afford in repayments. This is an estimate — contact us for an accurate assessment.
Ready to Start Your Property Journey?
Book a free, no-obligation consultation with Karann. Whether you're buying your first home, investing, or building new — we'll map out the best path forward.