Borrowing Power Calculator
Find out how much you could borrow based on your income, expenses and existing debts
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Estimated Borrowing Power
$257,674
This is an estimate only. Your actual borrowing power depends on many factors including credit history, employment type, and lender policies. A 3% serviceability buffer has been applied above the entered interest rate, consistent with APRA guidelines.
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Our brokers can assess your exact borrowing power across 40+ lenders.
Speak to a BrokerUnderstanding Your Borrowing Power
Your borrowing power is the maximum amount a lender may be willing to lend you based on your financial situation. Lenders assess your income, expenses, existing debts, and number of dependants to determine how much you can comfortably afford to repay.
Under APRA guidelines, lenders apply a serviceability buffer of at least 3% above the loan interest rate when assessing your capacity to repay. This ensures you can still meet repayments if interest rates rise.
Important Disclaimer
This calculator provides a general estimate only. Your actual borrowing power will vary depending on the lender, your credit history, employment type, assets held, and other factors. Contact Australian Lending Group for a comprehensive assessment across our panel of 40+ lenders.