Borrowing Power Calculator

Estimate how much you can borrow based on your income, expenses, and dependants. Uses the APRA 3% serviceability buffer.

Your Financial Details

Annual Income (before tax)

Monthly Living Expenses

Number of Dependants

Interest Rate (% p.a.)

Loan Term (years)

Estimated Borrowing Power

$594,633

Assessed at 9.5% (your rate + 3% APRA buffer)

Est. Monthly Repayment

$3,758

At your actual rate of 6.5%

Serviceability Buffer

+3.00%

APRA regulatory requirement

Note: This is an estimate only. Actual borrowing capacity depends on your lender's credit assessment, existing debts, credit history, and other factors. Speak to a mortgage broker or lender for a formal assessment.