Borrowing Calculator – Estimate Your Home Loan Borrowing Power

Our Borrowing Calculator helps Australian home buyers quickly estimate how much they may be able to borrow — based on real-world lending principles used by banks and lenders across Australia.

Whether you’re a first home buyer, upgrading, refinancing, or investing, understanding your borrowing power is the first step before searching for property. This tool gives you a realistic estimate in under two minutes, without affecting your credit score.

Unlike basic bank calculators, this borrowing calculator is built specifically for Australian conditions. It incorporates ATO tax brackets, lending serviceability buffers, and rate-rise stress testing so you can see not just what you might borrow today — but how rising interest rates could impact your capacity.

What You’ll Get

• An estimated borrowing range
• Repayment estimates at current rates
• Stress-tested repayments using higher buffer rates
• Insights into how debts and e