A real estimate in seconds, using the same serviceability maths the banks use. Free, no signup.
Free, no obligation — a broker will confirm exactly what you can borrow and line up pre-approval.
Lenders don't just look at your income — they look at what's left after tax, living costs and existing debts, then stress-test it. This calculator mirrors that: it estimates your after-tax income, subtracts your expenses and repayments to find your monthly surplus, and works out the largest loan that surplus could service at an assessment rate 3% above the actual rate — the buffer APRA requires. It's a genuine estimate, not a teaser.
Your real number depends on the lender, your credit file and the deal structure — which is exactly what a broker sorts out, for free. Already know the place you want? Value it here →