Borrowing Power
A rough guide to how much you might be able to borrow, based on what’s left of your take-home pay each month.
You might be able to borrow around
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- Left over each month
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- Estimated monthly repayment
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Treats what’s left of your take-home pay after living expenses and other repayments as the most you could repay each month, tested at your rate plus 3 percentage points (the minimum buffer lenders must allow for, set by APRA).
Lenders use their own expense benchmarks, count some income at less than its full value, and look at credit card limits rather than balances, so the amount they’d lend can be quite different. This is not an offer or a pre-approval.
These results are estimates only. They are not credit or financial advice and should not be relied on for lending decisions.
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