Borrowing capacity calculator
How much can you borrow for a home loan? Enter your income, expenses and commitments to estimate your borrowing power.
Results are estimates for general information only and are not a quote, loan offer or pre-approval. Lender policy on income, expenses and existing debts varies, so your actual borrowing capacity may differ.
About this calculator
Your borrowing capacity is the amount a lender is prepared to lend you, based on your income, living expenses, existing debts and credit limits. Every lender assesses these differently, the same household can be approved for amounts that differ by hundreds of thousands of dollars depending on where they apply.
Use this calculator as a starting point, not a ceiling. Nathan compares your situation across 50+ lenders to find the ones that treat your income, bonuses, or self-employed earnings most favourably, often unlocking significantly more than a bank's own calculator suggests.
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A free 30-minute call gets you the numbers lenders will actually approve, across 50+ of them.