Borrowing Power Calculator
Enter a few details and get an indicative estimate of how much you may be able to borrow. The result is not an offer of credit; lender assessment and approval are required.
Sydney home loan broker borrowing details
Enter annual figures before tax.
The calculator adds a minimum 3.0 percentage point APRA (prudential regulator) serviceability buffer to this rate.
Estimated result
Complete the form and click calculate to see an indicative borrowing range.
Important
This calculator uses simplified assumptions and is not a quote or offer of credit. Real borrowing capacity depends on lender policy, serviceability tests, credit history, deposit size, valuation, and other factors. Always seek advice from a licensed mortgage broker before acting.
How this is calculated
The estimate applies a simplified income and expense model, then adds a minimum 3.0 percentage point APRA (Australian Prudential Regulation Authority) serviceability buffer to the nominated rate. It is a guide only; ASIC (Australian Securities and Investments Commission) consumer-credit rules require a licensed broker or lender to assess your full circumstances before credit assistance is provided.