Calculators
Two tools that work through your numbers the way a lender would, and show you the working. They're estimates rather than approvals — the real figures depend on the lender and your full circumstances, and that's exactly what a conversation is for.
How much could I borrow?
This works through your numbers the way a lender's serviceability check does — after-tax income, living costs, existing commitments and a rate buffer — and shows you the working.
Lenders usually count about 80% of rental income.
Lenders use your figure or their own benchmark, whichever is higher.
Car, personal, HECS/HELP, buy now pay later.
Lenders add a safety buffer of about 3% to check you could still afford the loan if rates rose.
See how this was worked out
An estimate only, subject to eligibility, each lender's credit criteria, verification of your income and expenses, property valuation and final lender approval. It is not a credit assessment, pre-approval or offer of finance.
What would the repayments be?
Principal and interest repayments on a given loan amount, rate and term.
A number is a start. A plan is better.
Bring me your figures and we'll work out what's actually achievable, and with which lender.