Loan Calculators · Borrowing Power
Borrowing Power Calculator
Estimate how much you could borrow based on your income, expenses, and the lender's stress-test buffer.
Your Financial Profile
$120,000
None
Rental income, dividends, secondary job
$2,500/mo
Groceries, utilities, transport, rent
None
Car loans, personal loans, credit cards
None
+3.0%
APRA minimum is 3% above assessment rate
Estimated Borrowing Power
$558,955
Max Monthly Repayment
$4,700/mo
Serviceability Ratio
34.7%
Healthy — well within limits
Serviceability Gauge
Below 40% — Healthy65–80% — Tight80%+ — High
⚠ Estimate based on 30-year P&I at assessment rate (6.5% + buffer). Actual capacity varies by lender, loan type, and full financial profile. Not financial advice.
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