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Home/Calculators/Borrowing Power Calculator

Calculator

Borrowing power calculator

Get an indicative estimate of how much you may be able to borrow, based on your income, expenses and commitments.

Income

Your annual income

Partner's annual income (optional)

Expenses & commitments

Living expenses (monthly)

Other debt repayments (monthly)

Number of dependents

Loan assumptions

Interest rate (% p.a.)

Loan term (years)

Estimated borrowing power

$612,000

Monthly repayment capacity$3,720

Estimated net income (annual)$85,730

Assessment rate used9.07%

Lenders apply a serviceability buffer above the actual rate and their own living-expense benchmarks — actual borrowing power varies by lender. This is a starting point only, not a pre-approval.

Get a personalised assessment

Flex Mortgage Solutions

Independent mortgage broking for home buyers, investors and business owners across Sydney — flexible finance, honest advice, over 40 lenders.

FBAA Member ASIC Credit Rep. AFCA Member

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+61 449 225 681
jshao@flexmortgage.com.au
Sydney, Australia

© 2026 Flex Mortgage Solutions. All rights reserved. Australian Credit Representative 452934. Calculators are estimates only and do not constitute financial advice.