Is this pre-approval?
No. Only a lender can provide approval after checking your full application and supporting documents.
Borrowing capacity
How much could I borrow for a home?
Create a broad borrowing-power range from household income, expenses and existing repayments.
Indicative result
- Illustrative borrowing range
- $302,529–$355,917
- Income used
- $120,000 p.a.
This simplified model uses an assessment-rate buffer and does not reproduce any lender's full serviceability policy. Results are educational estimates only. Borrowing power uses a simplified net-income assumption rather than current tax tables or lender policy. The duty tool is a broad planning range, not a duty calculation. Results may omit fees and concessions and are not an offer, approval, tax advice or financial advice.
Questions about this estimate
What reduces borrowing power?
Existing debts, credit limits, dependants, living costs and lender buffers can all reduce capacity.
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