Know the Property Price Range You Can Genuinely Afford.
Your purchasing power is the maximum property price you can buy based on two things: the deposit you have saved and the amount a lender is prepared to lend you. Unlike borrowing capacity alone, purchasing power gives you a real property price target — combining your savings with your loan amount to show the total you can spend.
This calculator uses your deposit size, estimated borrowing capacity and selected state to factor in stamp duty costs, giving you a more realistic purchase budget. Use your result to shortlist suburbs, set auction limits and have more productive conversations with real estate agents — then book a free call with our brokers to confirm your numbers with real lender data.
Built for Anyone Working Out What They Can Afford to Buy
Whether you are saving for your first home or planning your next purchase, knowing your price ceiling puts you in control.
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What to Do Once You Have Your Purchasing Power Estimate
Set Your Property Budget
Use your purchasing power estimate as your maximum purchase price when shortlisting properties. Factor in a buffer for renovation costs, moving expenses and emergency reserves.
Research Your Target Suburbs
With a clear price ceiling, you can identify suburbs where your budget is competitive — and avoid wasting time on properties outside your reach.
Get Pre-Approved
Pre-approval converts your estimate into a lender-confirmed limit, giving you the confidence to make offers and bid at auction without a finance condition holding you back.
Book a Free Call
Our brokers can review your purchasing power estimate, identify the right lenders for your deposit size and get your pre-approval underway — all at no cost to you.
