How much can you borrow? Enter your income, expenses, and liabilities. Includes HECS debt, credit card limits, dependants, and dual-income assessment — the way lenders actually calculate it.
The same borrower can receive offers ranging by $200,000–$400,000 depending on which lender they approach. Different lenders use different Household Expenditure Measures (HEM), HECS assessment methods, and bonus income policies. John's value is identifying which lender's model maximises your capacity.
The calculator gives a good estimate — but the real number depends on which lender you use and how your income is structured. John identifies the lender whose model maximises your capacity. Free, no obligation.
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Borrowing capacity estimates are based on a simplified serviceability model and are indicative only. Actual borrowing capacity depends on the specific lender, their current credit policy, assessment rates, and your complete financial position. HECS repayment rates based on 2025–26 ATO schedule. HEM benchmarks are indicative. This calculator does not constitute financial advice or a credit assessment. Not a credit offer or pre-approval.
Lenders assess your borrowing capacity using a serviceability model — essentially, how much can you comfortably repay each month after all other commitments. They apply a 3% interest rate buffer above your actual rate (APRA requirement), use a Household Expenditure Measure (HEM) as a minimum living expense floor, and count all liabilities including credit card limits (not just balances).
10 years. 77 five-star reviews. 50+ lenders. John identifies which lender's serviceability model maximises your borrowing capacity for your specific income composition — often $100,000–$300,000 above what you'd get going direct to a bank.