Borrowing Power Calculator

See your estimated repayments per week/fortnight/month.

Compare home loans with rates starting at 5.14% p.a. (comparison rate 5.15% p.a.) Instantly check your eligibility with over 50 lenders online.

How to Use the Borrowing Power Calculator

What Affects Your Borrowing Power?

Income & Employment – Higher, stable income increases borrowing capacity.
Existing Debt – Credit cards, personal loans, and other debts reduce how much you can borrow.
Living Expenses – Higher expenses mean less disposable income for loan repayments.
Credit Score – A better credit score may unlock higher loan amounts and better interest rates.
Loan Term & Interest Rate – Longer terms and lower rates can increase borrowing power.

How to Increase Your Borrowing Power

Reduce Existing Debt – Pay off loans and credit cards to free up borrowing capacity.
Improve Your Credit Score – A higher score helps you qualify for better loan options.
Cut Unnecessary Expenses – Lowering your monthly costs can boost your eligibility.
Consider a Longer Loan Term – Spreading repayments over more years can increase the amount you can borrow.