Understand Your Maximum Loan Amount Before You Start Searching
Your borrowing capacity is the maximum amount a lender is willing to lend you, based on your income, expenses, existing debts and the number of dependants in your household. It varies significantly between lenders — which is why comparing across a broad panel matters. This calculator gives you an indicative estimate based on standard Australian lending criteria.
Use your result as a starting point — not a ceiling. Our brokers regularly find that clients can borrow more than a single-lender estimate suggests, simply by identifying the right lender for their specific financial profile. Once you have your number, book a free call and we will show you what is genuinely possible.
This Tool Is Built for Every Type of Australian Borrower
Whether you are buying your first home, upgrading, investing or building, understanding your borrowing capacity is always the right first step.
Drivers Want More Than a Ride
Automotive diligence projects for private equity and corporate clients
Automotive consulting engagements
Our Client Results in Automotive
We empower automotive leaders to drive innovation, enhance efficiency, and achieve sustainable growth in a changing industry.
What to Do Once You Have Your Borrowing Capacity Estimate
Check Your Result
Review your indicative borrowing capacity and compare it to the property price range you have in mind. If there is a gap, our brokers can explore options including guarantor loans, shared equity schemes and specialist lenders.
Get Pre-Approved
Pre-approval converts your estimate into a lender-confirmed borrowing limit — giving you the confidence to bid at auction or make an offer without a finance condition.
Compare Across Lenders
Your capacity varies between lenders. Our brokers compare your profile across 60+ banks and non-bank lenders to find the institution that will lend you the most — at the best rate.
Book a Free Call
Ready to move forward? Book a free consultation with one of our brokers. We will review your estimate, identify the right lenders and start your pre-approval — at no cost to you.
