See how much you could borrow for a home loan, based on your income, expenses, and the APRA serviceability buffer.
Lenders typically shade rental income to 80%
Dividends, business income, etc. Shaded to 80%
Assessment rate: 9.50% (your rate + 3% APRA buffer)
Lenders assess existing commitments against your income. Leave blank if not applicable.
Assessed at 3.8% of limit per month regardless of balance
Assessed at approximately 1% of balance per year
HEM floor for your household: $2,100/month. The higher of declared vs HEM is used
Estimates only, not financial advice. Actual borrowing capacity varies by lender, credit history, and individual circumstances. Consult a mortgage broker or lender for a formal assessment.