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Model indicative borrowing power using a transparent serviceability percentage.
Helpful guidance
Estimate home-loan borrowing capacity from income, commitments and a test rate.
Common questions
It converts the selected share of gross income into an available repayment, subtracts existing debt commitments and solves for loan principal.
It is an estimate based on the values you enter. Awards, contracts, lender policies, concessions and personal circumstances can change the final amount.
No. The estimate runs locally in your browser and does not send your calculator inputs to a calculation backend.