Borrowing power
How much can you borrow?
A quick, realistic estimate of your home-loan borrowing power and the purchase price it could reach.
How much can you borrow?
A rough guide to your borrowing power and the price you could reach.
You could borrow up to
$383,327
With your $100,000 deposit, that's a home up to $483,327.
Take-home / month
$5,584
Max purchase price
$483,327
Estimated from your surplus (take-home minus expenses), assessed at your rate plus the 3% APRA serviceability buffer over 30 years. Lenders also weigh credit, other debts, deposit size (LMI under 20%) and HEM benchmarks — so treat this as a ballpark, not pre-approval. Remember stamp duty & costs come out of your deposit too.