How Much Can You Borrow?

Get a personalised estimate across 5 modelled lender assessment profiles. Calculated using current bank servicing methods — assessment rates, income shading, HEM-style benchmarks and DTI caps, updated for FY26-27 tax and post-12-May-2026 gearing rules.

🏦 5 Lender Profiles
📊 Real Bank Policies
📧 Emailed Report
🔒 Private & Confidential
1 Income
2 Expenses
3 Loan Details

💰 Income Details

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

👥 APPLICANT 2

📋 Expenses, Properties & Commitments

Lender profiles compare your declared expenses against a HEM-style benchmark, and factor in any properties and debts you're keeping.

🏠 Investment properties held (rental income)

Acquired BEFORE 12 May 2026 = negative-gearing eligible. Purchases AFTER that date generally aren't (new builds excepted). Rent is shaded 70–90% and capped at a 6–7% yield of value by some lender profiles.

💳 Existing loans being KEPT (not refinanced)

Interest-only loans are assessed as P&I over the REMAINING term after the IO period — this is the #1 thing generic calculators miss.

🏠 Loan Requirements

Tell us about the loan you're looking for. This helps us apply the correct assessment rates across all 5 lender profiles.

Required before calculating:

    📊 Your Estimated Borrowing Power

    Based on 5 modelled lender assessment profiles · Engine v1.0 · Jul 2026 · FY26-27 tax · post-12-May gearing rules

    Highest Estimate
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    Median
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    Lowest Estimate
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    DTI (Median Profile)
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    Model assumptions
    • FY2026-27 resident tax + Medicare, LITO simplified. Each applicant taxed individually; rental attributed 50/50 (or 100% single).
    • OT/bonus/commission shaded 75–100% by profile; essential-services toggle removes shading on one profile.
    • Self-employed: lower of 2 years where both entered, else single year; unshaded.
    • Rental shaded 70–90%; yield-capped at 6–7% of value where value entered. Pre-12-May-2026 properties get a negative-gearing benefit (deductible interest at ~4.6% + costs vs rent, at marginal tax rate). Post-cutoff: deductions capped at rent (no negative).
    • Existing loans assessed P&I at the profile's assessed rate over remaining term (IO: over remaining term minus IO remaining). Cards/ODs 3.8%/mo of limit. HECS at FY26 income-based rates. IP running costs 10% of gross rent.
    • Living expenses = max(declared, HEM-style benchmark by household & income — approximate).
    • LMI not modelled: >80% LVR flagged, not priced.
    ⚠️ Important Disclaimer: This calculator provides estimates only, modelled on anonymised major-lender assessment methods as of July 2026 (floors 5.05–5.75%, +3% assessment buffer, income shading, DTI caps 6.5–10, FY26-27 tax tables, post-12-May-2026 negative-gearing rules). 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, pre-approval or credit advice. LMI is flagged above 80% LVR but not priced. Finance Hub and Networks Pty Ltd (ACN 644 141 613 | Australian Credit Licence 573164) recommends speaking with one of our licensed brokers, and running a live lender calculator, before relying on any figure here. info@finhub.net.au

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