Borrowing Power Calculator

This calculator is designed to give you an estimate of how much money you can borrow from a lender. Note that the borrowing power is calculated on a custom model which can differ from lender to lender. The purpose of this calculator is to merely give an indication of what a lender could offer you, based on some of your basic incomes and financial commitments. You’ll only know how much you can borrow for certain when you apply and receive conditional approval for a maximum borrowing amount on a loan.


Joint income means two incomes in the same household. Use your "take home" after tax pay as the Net Salary figures. 

Annual Expenses are automatically calculated based on "index" data based on teh number of dependents, you can enter your actual annual living expenses. But if your expenses are lower than the index, the lenders will use the index figures.

The results are indicative only. 

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Disclaimer: Whilst every effort has been made to ensure the accuracy of this calculator, the results should be used as an indication only, they are neither a quote nor a pre-qualification for a loan.