Borrowing Power Calculator

Estimate how much you could borrow based on your income, expenses and debts – assessed the way lenders do, with a 3% rate buffer.

Your gross annual income$Partner's gross annual income$Leave 0 if applying aloneOther income (rent, bonus) p.a.$Counted at 80%DependantsMonthly living expenses$Other loan repayments (monthly)$Total credit card limits$Assessed at 3.8% of limit per monthInterest rate% p.a.Loan termyears

You could borrow up to$420,000

Monthly repayment at your rate$2,488

Assessment rate (rate + 3% buffer)8.89%

Net monthly income$6,151

Monthly surplus for repayments$3,351

Indicative only. Uses FY2026-27 resident tax rates, a 3% serviceability buffer and credit cards at 3.8% of limit per month – the standard lender approach. Every lender's policy differs; we can check your real borrowing capacity across 40+ lenders.

This calculator provides general estimates only, based on the information you enter and the assumptions shown. It does not take into account your personal circumstances and is not an offer of credit. Lender policies, rates and fees vary. Speak to Start Finance for a personalised assessment.

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