Calculator
Borrowing Power Calculator
A broker-grade assessment of your lending capacity.
We verify multiple income sources and apply standard bank shading rules.
*This figure is an estimate only. For an accurate assessment tailored to your specific circumstances, please contact us.
1. Your Profile
2. Your Income (Annual)
Primary job income before tax.
Bank will shade this to 80%.
Bank will shade this to 80%.
3. Loan Term
4. Expenses & Liabilities
IMPORTANT: Enter limit, not balance. (e.g. $6,000 limit = $228/m liability)
Monthly payment (Car, Personal).
Monthly household spend.
Estimated Borrowing Power
$0
Monthly Repayment
$0
Fortnightly Repayment
$0
Assessed Net Income
$0
Loan Balance Chart
Loan Balance
Total Payment
*Estimates only. Logic based on standard lender policies: 80% shading on rent/overtime, 3.8% monthly liability on credit card limits, and a 3% serviceability buffer rate (APRA).
