Borrowing Power Calculator

This intuitive borrowing power calculator provides a comprehensive estimate of your home loan potential, including your borrowing capacity, the value of a home you can comfortably afford with a 20% deposit, and the monthly repayments you would need to plan for. Input the following:

1. Number of applicants (solo or joint, e.g., with a spouse)
2. Each applicant's salary and any rental income
3. Estimated monthly living expenses
4. Total credit card limits and minimum monthly payments for existing debts (like car or personal loans, HECS/HELP)
5. Indicative loan interest rate, term, and preferred repayment frequency

To use this tool, input the desired loan amount, the loan's term, the interest rate, and your preferred repayment frequency. The calculator is configured to assume principal and interest repayments.

Your monthly expenses
+Add other loan repayment
Your income
Calculator assumptions
You can borrow up to0
Which means you can afford a house up to0
Estimated repayments of
0 monthly

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