What affects your borrowing power?
This is not a calculator that tells you how much you can borrow. Only a mortgage broker can do that. This tool shows you which levers move the needle, and by how much. Walk in knowing what matters.
What affects your borrowing power?
Adjust the inputs. See which levers move the needle.
Estimates only, not financial advice. A broker gives you the real number.
Buying with someone?
Dependents
Car loans, personal loans, afterpay, Zip, and any regular repayments. Lenders count all of these.
Rough guide only
$398,103 to $468,033
This is not what a lender will approve. It shows the ballpark based on the factors below. A broker gives you the real number.
What's helping
Your primary income drives your borrowing capacity.
Before you talk to a broker
This tool shows the factors. A mortgage broker gives you the real number based on your full situation.
Continue with your numbers
This tool provides rough estimates to illustrate which factors affect borrowing capacity. It does not replicate any lender's serviceability model and is not a borrowing capacity assessment. Actual borrowing power depends on your full financial situation, the specific lender, their credit policies, and property valuation. Living expenses use approximate HEM (Household Expenditure Measure) benchmarks. Buffer rates and repayment ratios are indicative. Overtime, bonuses, and rental income are treated differently by lenders (typically at 80%) and are not modelled here. housematch.com.au does not hold an Australian Credit Licence and is not authorised to provide credit assistance under the National Consumer Credit Protection Act 2009. This is not financial advice or credit assistance. Speak to a licensed mortgage broker for an accurate assessment.
Related tools
Cost calculator — your real monthly cost as a percentage of take-home pay.
Deposit tracker — how long it takes to save your deposit, with FHSS and government schemes.
Eligibility checker — grants, concessions, and schemes you may qualify for.
Broker guide — how to find a broker and what to ask them.
housematch shows this data on every listing.
Bushfire ratings, school catchments, flood zones, transit times, comparable sales, and true ownership costs. All before you visit.