How much can I borrow?

Your home loan borrowing capacity can vary significantly amongst various lenders. This is due to the fact that each lender calculates your borrowing capacity using completely different formula’s. So if a particular lender says they won’t lend you the amount you require there is a good chance that another lender may say otherwise. We use sophisticated computer software that will give you an indication of how much each of the more than 30 lenders on our panel will lend to you immediately.

The best way to show the differences between the various lenders is to give you an example. A couple has one child and incomes of $40,000 p.a. and $30,000 p.a. respectively. The couple also have a credit card with a $3,000 limit and they have one medium sized car.

There is a massive borrowing capacity difference of about $250,000 between the lender that will lend the most and the one that will lend the least. This is a great reason for you to call us on 1300 66 12 11 or to input your details below.

To find out an accurate indication of your home loan borrowing capacity simply complete this secure form and we will get back to you shortly with an indication of your maximum borrowing power.

How much can I borrow ?

Fields with * are required

*First name
Surname
*Email address
Contact phone no.
Preferred contact method
State you currently live in
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No. of adults in household(max. 2)
No. of dependant children
Required loan term (max. 30 years)


In this section values must be in Dollar($)

Applicant 1 ( $ ) Applicant 2 ( $ )
Annual Gross (before tax) Salary or Taxable income from self employment $
Annual family tax benefit Part A & B $
Annual aged or sole parent permanent pension $
Annual disability or carer pension $
Annual rental income $


LIABILITIES AND REPAYMENTS FOR DEBTS THAT WILL REMAIN IN PLACE AFTER TAKING OUT THIS NEW LOAN (NOT INCLUDING THE NEW LOAN BEING APPLIED FOR)

Minimum monthly car loan/lease repayments $
Minimum monthly personal loan repayments $
Minimum monthly home loan repayments $
Total balance of home loans and investment loans to remain $
Monthly child support payments $
Monthly rent payments to continue $
Total combined credit card limit $
Total combined store card limit $

ENTER BALANCE OF CURRENT INVESTMENT LOANS. IF THIS NEW LOAN IS FOR INVESTMENT PURPOSES ALSO INCLUDE THE ESTIMATED REQUIRED LOAN AMOUNT IN THIS FIGURE.

Current balance of investment home loans $


Estimated maximum borrowing capacity

Variable rate home loan to
3 year fixed rate home loan to

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