Calculators

While our borrowing calculator can give you a decent idea of how much money you may be able to take out, for a more precise assessment, please get in touch with our team. We can then go through your options with you and chat about your circumstances in further detail.

We have access to over 50 lenders and their products. Each lender has different policies and change their policies independently from time to time. The borrowing Capacity calculator is generic and takes into account a low borrowing capacity. Please contact our team to get a more accurate quote.

Some lenders may only allow at debt-to-income ratio of 4 or 4.5% and some allow up to 8%. For example, a person on $100,000 net income may only qualify for $400,000 for one lender and $800,000 for another lender. This is not dependent on interest rates and can change from time to time as the lenders change their appetite.

Please note: The borrowing capacity calculator should be used as a guide only. Every lender has their own policies relating to borrowing capacity and the difference for 1 person with the exact same information could be thousands of dollars difference to another. Please contact our team for a chat to determine your exact capacity.