1 · Borrowing power
Estimated over a 30-year principal & interest loan using current-year tax rates, the configured lender assessment buffer and the configured share of expected rent.
Estimated borrowing power—
Monthly repayment at your rate—
Monthly surplus (assessed)—
2 · Affordability — your price range
Maximum purchase price from your deposit + borrowing power, after exact state stamp duty, purchase costs and the configured cash reserve.
Max purchase price—
Stamp duty at that price—
Loan-to-value ratio (LVR)—
Purchase costs + cash reserve—
Estimates only — not a loan offer, credit quote or financial advice. These calculators use current-year resident tax rates including LITO and the Medicare low-income phase-in; choosing a family household applies the simplified $47,238 family threshold plus $4,338 per dependent child. They also use the configured rental-income haircut and assessment buffer, a 30-year P&I term, and standard investor stamp duty (no concessions or surcharges). Real lender assessments use their own expense benchmarks (HEM), buffers, LVR caps and policies, and vary between lenders. Confirm your actual capacity with a licensed mortgage broker before making offers.
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