Borrowing power
What can you borrow?
What affects your borrowing power?
Adjust the inputs. See which levers move the needle.
Estimates only, not financial advice. A broker gives you the real number.
Buying with someone?
Dependents
Car loans, personal loans, afterpay, Zip, and any regular repayments. Lenders count all of these.
Rough guide only
$398,103 to $468,033
This is not what a lender will approve. It shows the ballpark based on the factors below. A broker gives you the real number.
What's helping
Your primary income drives your borrowing capacity.
Before you talk to a broker
This tool shows the factors. A mortgage broker gives you the real number based on your full situation.
Continue with your numbers
This tool provides rough estimates to illustrate which factors affect borrowing capacity. It does not replicate any lender's serviceability model and is not a borrowing capacity assessment. Actual borrowing power depends on your full financial situation, the specific lender, their credit policies, and property valuation. Living expenses use approximate HEM (Household Expenditure Measure) benchmarks. Buffer rates and repayment ratios are indicative. Overtime, bonuses, and rental income are treated differently by lenders (typically at 80%) and are not modelled here. housematch.com.au does not hold an Australian Credit Licence and is not authorised to provide credit assistance under the National Consumer Credit Protection Act 2009. This is not financial advice or credit assistance. Speak to a licensed mortgage broker for an accurate assessment.
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Important: This is general information only. It does not take into account your individual objectives, financial situation, or needs. It does not constitute financial advice, legal advice, credit assistance, or a recommendation of any financial product. Figures are estimates based on simplified published schedules and may not reflect current rules.
housematch.com.au does not hold an Australian Credit Licence (ACL) or an Australian Financial Services Licence (AFSL) and is not authorised to provide credit assistance under the National Consumer Credit Protection Act 2009.
housematch.com.au does not receive referral fees or commissions from any broker, lender, conveyancer, agent, or other party as at March 2026.
Before making any financial decisions, speak to a licensed mortgage broker, financial advisor, or accountant who can assess your specific circumstances. For independent guidance, visit moneysmart.gov.au.
Last reviewed: March 2026.