Borrowing power calculator

The results are a guide only. Our home loan borrowing calculator takes into account the type of loan you’re applying for, your income, and your expenses to give you an idea of how much you can expect to be able to borrow. The results are not a quote, credit approval or offer of credit. The results are not advice on how much you should borrow, which product you should choose, the product features or options, or about making extra payments.

The ranges of rates, terms and loan amounts in the calculator may not be available for products offered by us or other credit providers. Credit providers have different credit criteria and there may be other factors that affect whether you qualify for credit and the amount you could borrow. The results assume regular scheduled payments and that the interest rate does not change, and do not include any discount period. Interest rates are subject to change except during a fixed rate period. You will receive a formal assessment when you begin an application, and enter the specifics of the property, your loan type, personal details and your financials. Find out more about our eligibility criteria.

The rates and repayment amounts do not include any monthly / annual service fees or Lenders Mortgage Insurance / Lender Protection Fee if applicable. Find out more about our fees.

Lenders take various factors into account when assessing borrowing power, including income, expenses, and existing debts. HECS debt is considered a liability and as such can reduce your borrowing power. This means that borrowers with a HECS debt may be eligible for a smaller loan amount compared to someone without a HECS debt. Find out more.