What you could borrow
Borrowing Power
A serviceability-style estimate: enter income, living expenses, existing repayments and card limits — see an indicative borrowing range, assessed at a buffered rate the way lenders do.
Leave at 0 for a single application.
Rent, dividends — entered net of tax.
Lenders apply a minimum benchmark if you understate this.
Car, personal or other loan repayments.
Assessed at 3.8% of the limit per month, not the balance.
Adds an allowance to assessed living costs.
Indicative borrowing power
$486,862
Conservatively, around $413,833 — assessed at 9.20% (rate + 3% buffer).
Where net income goes
- Living expenses$3,200
- Commitments$380
- Available for loan$3,988
Assumptions & method
- Income tax is an indicative 2024–25 resident estimate incl. ~2% Medicare; offsets and deductions are ignored.
- Credit cards assessed at 3.8% of total limits per month — standard lender practice.
- Capacity solved at your rate plus a 3% serviceability buffer over the full term.
- Not credit assistance or a loan pre-approval. Lender policy (HEM, LVR, LMI) will change the result.
Beyond the numbers
A number is a starting point, not an answer
These tools model the mechanics. The decision depends on structure, timing and the specifics of your scenario — that's the conversation worth having.