Free calculators
Run your own numbers.
Estimate what you could borrow and what the repayments look like — using the same buffers lenders apply. Then let us check it against 40+ real lender policies.
Estimated borrowing power
$455,751
- Estimated property budget (loan + deposit)
- $555,751
- Repayments at 5.9% over 30 years
- $2,703 / month
Assessed with a 3% buffer above your rate, the way most lenders test serviceability. Every lender calculates differently — we've seen outcomes vary by six figures between lenders for the same borrower.
These calculators provide estimates for general information only and do not constitute credit advice or a loan offer. Results use simplified tax and assessment assumptions; actual borrowing capacity and repayments depend on the lender's full assessment of your circumstances. Credit criteria and lending policies vary between lenders.
Calculator questions
Worth knowing.
How accurate is the borrowing power estimate?
It's a genuine guide, not a quote. We apply the same logic lenders use — a 3% serviceability buffer above your rate, your after-tax income, living expenses and debts — but every lender weighs these differently. The same borrower can see outcomes vary by six figures between lenders, which is exactly why comparing 40+ of them matters.
Why do credit card limits reduce my borrowing power?
Lenders assess your full card limit as debt you could draw tomorrow — typically costing around 3.8% of the limit per month in assessed repayments — even if the card sits unused. Reducing or closing unused cards before applying is one of the simplest ways to lift your borrowing power.
What's the next step after using the calculator?
A free 20-minute call. We'll verify the numbers against real lender policy, tell you your actual borrowing range, and if you're ready, get a pre-approval moving — often within 24–48 hours of documents being in.
Planning a purchase in a specific suburb? Pair your numbers with a free suburb report, read the pre-approval guide, or track your actual numbers with KeyReady, our free budget app.
Take the next step
Numbers look good? Make them real.
A 20-minute call turns an estimate into an actual borrowing range — checked against 40+ lenders' policies, with pre-approval often 24–48 hours away.