02 — Borrowing Capacity

How much could you borrow?

An indicative estimate based on your income, living expenses, and existing debts. Uses the APRA 3% serviceability buffer. Numbers to start the conversation — not a lender approval.

02 · Assumptions

This calculator applies a standard serviceability assessment rate of 3.00% above the nominated interest rate (i.e. if you enter 6.50%, the assessment rate used is 9.50%). This buffer is consistent with APRA Prudential Practice Guide APG 223 (Residential Mortgage Lending) as at 2025. Actual lender assessment rates vary and may differ from this estimate.

Living expenses are estimated using Household Expenditure Measure (HEM) values for the selected household type. Actual lender HEM benchmarks differ between institutions and are updated periodically. Your actual assessed living expenses may be higher than the HEM estimate if your declared expenses are above the benchmark.

Loan term is assumed to be 30 years, principal and interest, at the nominated interest rate. Results represent a single indicative estimate only and do not account for lender-specific credit policies, uncommitted monthly income calculations, or other serviceability adjustments applied by individual lenders.

03 · Disclaimer

04 · Comparison Rate Warning

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