Borrowing capacity

Quick, indicative numbers. Lender policies differ — treat as a guide, not an assessment.

Applicants & income

Applicant 1

Gross salary p.a.

Bonus / overtime p.a.Shaded to 80%

Applicant 2

Gross salary p.a.

Bonus / overtime p.a.

Rental income (per week)Shaded to 80% for servicing

Tax is calculated for each applicant separately (2024-25 resident rates + 2% Medicare).

Household & commitments

Household

Dependants

Declared living costs / monthLenders use the higher of this and their benchmark

Credit card limits (total)Assessed at 3.8% of limit / month

Other loan repayments / month

HECS / HELP repayment / month

Child support / other / month

Other property loans (balance)Assessed at the assessment rate, P&I over 30 yrs

Use the benchmark (HEM-style) floor for living costs

Loan & assessment

Product rate % p.a.

Serviceability buffer +%

Assessment floor % p.a.

Loan term (years)

Repayments

State

Loan you want (optional)Checks serviceability & the income needed

Deposit / savings (optional)

Target LVR %

Stamp duty & other costs (optional)Enter from the stamp duty calculator

Estimated borrowing capacity

—

Enter income to begin

Benchmark living costs used

Assessment rate8.50% p.a.

Net income / month (after tax)$0

Commitments / month$2,200

Spare capacity / month$0

Living costs used$2,200 (benchmark)

Repayment @ product rate$0 / month

Fortnightly / weekly$0 / $0

Debt-to-income at max—

Capped at 6× DTI—

If rates move (product rate)

Rate	Assessed at	Capacity
5.00%	8.00%	$0
5.50%	8.50%	$0
6.00%	9.00%	$0
6.50%	9.50%	$0

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