Estimate how much you may be able to borrow based on your income, expenses, and current lending criteria.
Gross income before tax
Leave $0 if single applicant
Gross rental — 75% used by most lenders
Net profit / drawings (2-yr avg. typically required)
Benefits, dividends, boarder income, etc.
Based on household size & income — click Auto to recalculate
Total repayments on all existing properties
Enter total limits — banks use 3% of limit per month
Car loans, hire purchase, personal loans
Combined for all applicants
Banks typically test between 6–9%
This calculator provides an indicative estimate only and does not constitute financial advice or a lending commitment. Actual borrowing capacity depends on lender-specific criteria, credit history, and full financial assessment. Speak to a registered mortgage adviser for personalised advice.