BSB 806 015

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BSB 806 015

Home Loan Borrowing Power Calculator

This home loan borrowing power calculator helps you work through the numbers and take that first step into buying a home, while confidently knowing you are making a commitment you can comfortably afford.

How to use this calculator

Complete a few simple income and expenditure details such as your annual salary, monthly living expenses and existing loans, and our calculator will estimate how much you could borrow. It will also calculate what your repayments would be, based on current P&N home loan interest rates and products.

Choose your home loan type, loan term and repayment type to suit your needs and get a clear picture on both your borrowing power and your repayments to enable you to make a sound financial decision.

Ready to make the next step?

If you're ready to apply for a home loan, or would like to speak to a specialist to discuss your options, please contact us below and our friendly team will be able to assist.

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Frequently asked questions


The results from this calculator should be used as an indication only. Figures provided are for illustrative purposes only and are based on the information provided. Results will vary depending on the applicant’s residential location. The calculations do not take into account any product features or fees and charges that may be charged to your loan or fees such as Lenders Mortgage Insurance, which if applicable will add to the cost of your loan and repayments. Results do not represent a quote or pre qualification for a loan. Individual institutions apply different formulas. Information such as interest rates quoted and default figures used in the assumptions are subject to change. Lending criteria applies to the approval of credit products. Terms and conditions apply and are available on request. Fees and charges are payable.

Calculator by Widget Works

Comparison rate based on a loan of $150,000 for a term of 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees & charges. Different terms, fees and other loan amounts might result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. Loan Value Ratio (LVR) is the proportion of money you borrow for a home loan compared to the value of the property. Rates stated are subject to change without notice. Fees and charges are payable. Lending Criteria applies to the approval of credit products and Terms and Conditions are applicable which are available on request.

View Home Loan Key Fact Sheets

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