Borrowing capacity calculator
How much can you borrow for a home loan? Enter your income, expenses and commitments to estimate your borrowing power, then let Nathan find the lenders that will read your income most generously.
Calculator provided through the MFAA (Mortgage & Finance Association of Australia) calculator suite. Results are estimates for general information only and are not a quote, loan offer or pre-approval.
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.
Hear from our happy homeowners.
Calculators guess. Nathan checks.
A free 30-minute call gets you the numbers lenders will actually approve, across 50+ of them.