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Calculator

Borrowing Power Calculator

Estimate how much you may be able to borrow based on your annual income and overall financial position.

Income

$120,000
$30K$500K

Expenses & Commitments

$3,000/mo
$0/mo
$0
0
6.50% p.a.

Monthly repayment is estimated using the selected interest rate.

Estimated Borrowing Power
$600,000 – $960,000
based on 5–8× annual income
Combined annual income: $120,000
Conservative
$600,000
5× annual income
Optimistic
$960,000
8× annual income

Typical Estimate

Annual Income$120,000
Income Multiple6.5×
Estimated Loan$780,000
Range5× – 8×

Monthly Repayment Estimate

Estimated Loan$780,000
Interest Rate6.50% p.a.
Loan Term30 years
Monthly Repayment$4,930.13

💡 These figures are estimates only. A simple 5–8× income calculation is not a lender assessment and actual borrowing capacity depends on your income, expenses, debts, dependants, credit profile and lender policy. Book a call for an accurate assessment.

Get an Accurate Assessment

* This calculator provides a general estimate only and does not constitute financial advice. The estimated borrowing range is calculated using 5–8 times combined annual income. Actual borrowing capacity is assessed differently by each lender and is subject to credit assessment, verification of income and lender policy.

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