How Much Can You Borrow?

Get a free personalised assessment across 6 major Australian lenders. Based on real bank lending policies — see your estimated borrowing power in minutes.

🏦 6 Lenders Assessed
📊 Real Bank Policies
📧 Free PDF Report
🔒 100% Confidential
1 Income
2 Expenses
3 Loan Details

💰 Income Details

Tell us about your income sources. We'll apply each lender's specific income shading rules to calculate your borrowing capacity.

👥 BORROWER 2

📋 Your Expenses & Commitments

Lenders compare your declared expenses against their minimum benchmarks (HEM). Tell us about your current expenses and debts.

🏠 Loan Requirements

Tell us about the loan you're looking for. This helps us apply the correct assessment rates.

📊 Your Estimated Borrowing Power

Based on 6 lender policies as of March 2026

Highest Estimate
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Lowest Estimate
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Lenders Assessed
6
⚠️ Important Disclaimer: This calculator provides estimates only based on publicly available lender policies as of March 2026. Actual borrowing capacity may differ based on individual circumstances, credit history, property valuation, and lender-specific criteria not captured here. This is not a loan offer or pre-approval. All figures are indicative and subject to formal assessment by the respective lender. Finance Hub and Networks Pty Ltd (ACN 644 141 613 | Australian Credit Licence 573164) recommends speaking with one of our licensed brokers for accurate, personalised advice. The lender labels used (Lender A–F) represent real lenders on our panel — your broker will identify which lenders best match your situation.

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