Property • Australia
Borrowing Capacity Calculator
A conservative estimate of how much you could borrow, based on income, expenses, existing debts and an APRA-style serviceability buffer.
$/yr
$/mo
$/mo
% p.a.
years
Includes a 3% APRA-style serviceability buffer. Not a lender assessment — every bank uses its own policy.
Estimated borrowing capacity
$355,679
Assessed at 9.1% serviceability
Available for repayments$2,888 / mo
How it works
We estimate net monthly income, subtract expenses and debt repayments, apply a 30% safety margin, then calculate the maximum loan that can be repaid at an interest rate equal to your input plus a 3% buffer.
Not a lender assessment.
Frequently asked questions
- Why include a serviceability buffer?
- APRA requires lenders to test borrowers at a rate 3% above the actual loan rate, to ensure repayments remain affordable if rates rise.
- Does this account for HECS, credit cards or BNPL?
- Include the monthly equivalent in 'Existing debt repayments'. Lenders also use the credit limit (not balance) for credit cards.