Borrowing Power

The results from this calculator should be used as an indication only. Results do not represent quotes, pre-qualifications for any product or an offer to provide credit. Individual institutions apply different formulas. Information such as interest rates quoted and default figures used in the assumptions are subject to change.

The Borrowing Power Calculator calculates an indicative maximum loan amount available based on the income and expenses entered. Default values provided assist in giving an estimate of the expenses and other factors which may determine the amount available for a loan.

This Borrowing Power Calculator takes into account the cost of living. The calculator uses the higher of the default estimated monthly living expenses or the living expenses you have entered.

Interest rates are current as at  09 April 2025 and are subject to change. Interest rates and repayments quoted are based on the principal and interest rate. The variable interest rate may include a discount or margin that is applied to the product’s variable reference rate. Discounts are offered to new home loan applications only. The discount cannot be used with any other rate promotion. Existing applications, internal refinances, top ups, additional advances or variations of existing home loans are not eligible. We may change or withdraw any discount or margin at any time.

Home Loan comparison rates are based on a loan of $150,000 for a term of 25 years, repaid monthly. WARNING: These comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in different comparison rates.

Terms, conditions, fees and charges apply. Applications are subject to credit approval.