Calculator
Borrowing Power
Estimate your maximum borrowing capacity — for both owner-occupied and investment loans. Results include APRA's required 3% serviceability buffer. Type an exact figure into any box, drag a slider, or tap − / + to fine-tune.
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$0$400k
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$0$400k
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$0$10k
Most lenders count 80% of gross rental income towards serviceability.
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$0$20k
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$0$10k
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1.00%12.00%
Estimated borrowing power
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maximum loan
Assessment rate—
APRA buffer—
Net monthly income—
Monthly commitments—
Max monthly repayment—
These results are estimates only
Your actual borrowing capacity depends on your full financial picture, lender credit policy, and current rates. Get a free, accurate assessment from a Capital Legacy broker.