This helps us apply the right lending criteria to your estimate.
🏡
Buy My First Home
First home purchase with government scheme eligibility
🏠
Buy a Home
Upgrading, downsizing, or next home purchase
📈
Investment Property
Growing wealth through property investment
🔄
Refinancing
Switching lenders for a better deal
🏗️
Build or Renovate
Construction loan for new build or major reno
💳
Debt Consolidation
Combine multiple debts into one home loan
Tell us about your situation
We need a few details to assess your borrowing capacity accurately.
👤
Just Me
👫
Joint (Partner)
What's your income?
Enter gross (before tax) annual amounts. For joint applications, combine both incomes.
$
Regular overtime or shift loading you receive
$
Average annual commission or bonus payments
$
From existing investment properties you own
$
Government benefits, dividends, child support, etc.
$
Monthly living expenses
An estimate is fine — we'll cross-check against industry benchmarks (HEM).
Groceries, utilities, transport, insurance, clothing, entertainment
$
$
$
Existing debts & commitments
Include all current loans, credit cards, and HECS — even if paying on time.
Total remaining balance on all current home loans
$
$
Combined limit across all cards (not just the balance owed)
$
$
$
Analysing your profile across our lender panel...
Based on your profile, you could potentially borrow
to
across our panel of 30+ lenders*
Conservative
Major bank standard
Mid-Range
Most likely range
Maximum
Non-bank lenders
📋 Your Assessment Summary
Gross Annual Income
Assessable Income (after shading)
Annual Tax (estimated)
Net Monthly Income
Monthly Living Expenses (HEM adjusted)
Monthly Debt Commitments
Monthly Surplus Available
🎁 First Home Buyer Advantages
As a first home buyer, you may be eligible for:
First Home Guarantee — Buy with just 5% deposit, no LMI
First Home Owner Grant — Up to $10,000–$30,000 (varies by state)
Stamp Duty Concessions — Reduced or zero stamp duty
First Home Super Saver Scheme — Use super contributions for deposit
Our brokers can help maximise these benefits for you.
Want an Exact Figure? Let's Talk.
This estimate is based on general lender criteria. A personal assessment by our brokers can identify the exact amount — and which lender gives you the best deal.
Takes 2 minutes to book • No obligation • Available in English, Vietnamese & Mandarin
Important Disclaimer: This estimate is for illustrative purposes only and is based on general lender policies current as at March 2026. Your actual borrowing capacity may differ based on your individual circumstances, credit history, and the specific lender's assessment. Your full financial situation would need to be reviewed prior to acceptance of any offer or product. Lender policies are subject to change without notice. This tool does not constitute financial advice. Finance Hub Pty Ltd | Australian Credit Licence 573164.