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Borrowing Capacity Estimator

Mirrors the logic of a lender's servicing model using the APRA assessment rate (current rate + 3% buffer) and a simplified HEM living-cost benchmark.

Borrowing Capacity Estimator (Simplified Servicing)

Uses APRA assessment rate (current rate + 3% buffer) and a simplified HEM benchmark for living costs. Final approval depends on the lender’s servicing system.

.02:0;return e-t-n}function a(e,t){var n=e===1?2200:3500;return n+t600}function s(){g=+e.querySelector("[data-f=inc1]").value,r=+e.querySelector("[data-f=inc2]").value,b=+e.querySelector("[data-f=other]").value,v=+e.querySelector("[data-f=kids]").value,m=+e.querySelector("[data-f=cc]").value,l=+e.querySelector("[data-f=debt]").value,d=+e.querySelector("[data-f=rate]").value,p=+e.querySelector("[data-f=years]").value,f=r>0?2:1,i=(o(g)+o(r))/12+b,h=a(f,v),u=m.038,n=i-h-u-l,n<0&&(n=0);var n,i,r,l,d,u,h,m,f,p,g,v,b,c=p12,s=d/100/12,j=s===0?nc:n*((1+s)*c-1)/(s(1+s)**c);e.querySelector("[data-out]").innerHTML='

Approx borrowing '+t(j)+'

At '+d+"% assessment rate with "+t(n)+" available per month

Household after-tax monthly income"+t(i)+"
Living costs (HEM estimate)-"+t(h)+"
Credit card commitment (3.8% of limit)-"+t(u)+"
Other loan repayments-"+t(l)+"
Available for home loan repayment"+t(n)+"
Estimated maximum loan"+t(j)+"
"}e.addEventListener("click",function(e){e.target.dataset.act==="calc"&&s()}),e.addEventListener("input",function(e){e.target.dataset.f&&s()}),s()})()

How to use

Results refresh as you edit the fields — no need to press Calculate. Adjust any input to test alternative scenarios.

Notes

Final approvals also consider product policy, credit files and employment stability; treat this result as a self-check only.