Is affordability the same as borrowing power?
No. Affordability starts with what you feel comfortable paying, while borrowing power is a lender's assessed maximum under its policy.
Repayment comfort
Mortgage affordability calculator
Estimate the loan amount a chosen monthly housing budget may support after allowing for other household commitments.
Indicative result
- Illustrative loan supported by budget
- $519,719
- Monthly repayment budget used
- $3,200
This is a household budgeting illustration, not a lender serviceability assessment. Lenders apply their own expense benchmarks, tax treatment, buffers and policy rules. 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
Why is my lender result different?
A lender may use different income, expense, debt and assessment-rate assumptions and will review your supporting documents.
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