How much could you borrow?

Explore your potential home loan borrowing power. Your result is an estimate, not a loan approval.

About you

Living expenses and commitments

Include groceries, utilities, transport, insurance, entertainment and other regular living costs. Exclude debts entered separately below.
Car loans, personal loans and other debts, excluding existing home loans entered below.
Include mortgages that will remain after your new purchase. This is a simplified input, not lender stress-testing.
Use the combined limits, even if balances are zero.
Enter outstanding Australian HELP debt. Repayment estimate uses a simplified 2025–26 income-based schedule.
Only regular income already net of tax. Some lenders may discount or exclude it.

Loan assumptions

Extra monthly headroom deducted before estimating borrowing capacity.
Indicative maximum borrowing powerCalculating…
—Estimated net monthly income
—Monthly amount available for assessed repayments
—Estimated monthly repayment at the actual rate
Talk to an HHL broker

Different lenders have different policies. An HHL broker can help you explore your options.

Important: This calculator is a general educational estimate only, not financial advice, a credit assessment, pre-approval or an offer of credit. It uses simplified Australian resident individual income tax rates for 2026–27, an assumed 2% Medicare levy, a simplified HELP repayment estimate, the living expenses you enter, a 3% monthly assessment of credit-card limits, and the stated assessment buffer. It does not use licensed HEM data. It does not account for Medicare levy reductions/exemptions, all tax offsets, salary packaging, every income type, lender-specific minimum living expense benchmarks, stressed repayments on existing mortgages, all existing debt policies, property expenses, loan fees or every lender's serviceability rules. The estimate is not the purchase price or deposit required. Figures are rounded and can differ materially from a lender's decision. Please confirm your circumstances with an HHL broker.

Your household

Household not listed? Call us on (08) 9242 3300 for an estimate.

Income (before tax)

You

$
$
HECS-HELP or other study debt?
$
$
For example, Family Tax Benefit.

Existing commitments

$
Home, car and personal loans you'll keep.
$
$
For example, child support or school fees.
$
Groceries, bills, transport, insurance and so on. If this is below our minimum for your household, the minimum is used.

Loan details

% p.a.
Example rate only.
years

You may be able to borrow around

$0

Get a full breakdown of this estimate, including how different interest rates change it.

Get your full borrowing report

This is an indicative estimate only. It is not a credit assessment, pre-approval or offer of credit. Each lender assesses applications using its own policies, which may produce a higher or lower result.

This information is general in nature and does not constitute financial or credit advice. Please review all recommendations in light of your personal circumstances before making any decisions.

Prepared with AI assistance and reviewed by a licensed mortgage broker.