Home Loan Borrowing & Repayment Calculator
Use our free tools to estimate your loan repayments and borrowing power across Australia.
Self-Employed? See Your True Borrowing Power
As a business owner, your taxable income doesn't tell the full story. Lenders add back expenses like depreciation, interest and super to reveal your real earning capacity.
Your Financials
Add-Back Expenses
These are expenses lenders typically add back to your net profit to calculate your borrowing capacity.
Your Adjusted Income
Full Assessable Income
$157,000
Estimated Borrowing Power
*This is a simplified estimate. Lender policies vary — contact us for an accurate assessment.
Salaried? Estimate Your Borrowing Power
For PAYG employees, lenders assess your gross salary, existing debts and living expenses (HEMS) to determine how much you can borrow — solo or with a partner.
Your Borrowing Estimate
Total Gross Income
$85,000
Based on Household Expenditure Measure for your income & dependants
Estimated Borrowing Power
*This is a simplified estimate. Lender policies vary — contact us for an accurate assessment.
Your Income Details
Additional Details
Estimate Your Repayments
Get a quick estimate of your monthly repayments. For a personalised assessment, book a free consult.
Loan Details
Your Estimated Repayments
Monthly Repayment
$3,160
44%
Principal
*Estimates only. Actual rates may vary. Contact us for accurate figures.
Estimate Your Stamp Duty
Get a quick estimate of stamp duty costs across Australian states and territories.
Property Details
Stamp Duty Estimate
Estimated Stamp Duty
$21,530
3%
of total cost
*Estimates only. Concessions & exemptions may apply. Contact us for accurate figures.