Borrowing Power Calculator
Estimate how much you can borrow using APRA serviceability rules, HEM benchmarks and 2026–27 Australian tax rates.
Applicants
Children or others financially dependent on you
Primary Applicant Income
Living Expenses
HEM benchmark for your household: $2,200/month. Lenders use the higher of your declared expenses or this benchmark.
Existing Debts
Monthly commitment assessed at: $0 (3.8% of limit)
New Loan Details
RBA cash rate: 4.35% · Last verified: July 2026 · Source: RBA
Used to estimate maximum property price. Does not affect borrowing power itself.
Combined Income Summary
Monthly Income Allocation
Rate Sensitivity
How your maximum loan changes with different interest rates.
| Rate | Assessment | Max Loan | Monthly |
|---|---|---|---|
| 4.75% | 7.75% | $465,421 | $2,428 |
| 5.25% | 8.25% | $443,828 | $2,451 |
| 5.75% | 8.75% | $423,838 | $2,473 |
| 6.25% | 9.25% | $405,304 | $2,496 |
| 6.75% | 9.75% | $388,095 | $2,517 |
| 7.25% | 10.25% | $372,093 | $2,538 |
| 7.75% | 10.75% | $357,193 | $2,559 |
Borrowing power estimates are based on inputs provided and standard Australian lender assessment methodology including the APRA serviceability buffer. HEM benchmarks are approximate and vary by lender, location and lifestyle. Tax calculations: 2026–27 Australian resident individual rates · Last verified: July 2026 · Excludes individual deductions and circumstances. Actual borrowing capacity may differ significantly based on your lender's specific policies, credit history, and full financial assessment. This calculator does not constitute financial advice. Speak with a licensed mortgage broker or your lender for a formal assessment.