Borrowing Power / LVR Calculator
Estimate your borrowing capacity based on income, debts and dependents, plus the resulting LVR.
Your numbers
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Est. borrowing power
$0
Loan needed for target
$0
LVR
0.0%
LMI likely?
No
Indicative only: real lender assessments differ significantly by policy, credit, and income type.
How this is calculated▾
We estimate take-home income, deduct simplified living expenses (HEM) and existing debt payments, then convert monthly surplus to a serviceable loan at an assessment rate (actual + 3% buffer, per APRA guidance) over a 30-year term.
General information only. This tool provides general information and does not consider your personal circumstances. It is not financial, tax, legal or credit advice. Rates, thresholds and rules change. Verify current figures with the ATO, your state revenue office or a licensed adviser before acting.