💰 Maximum Borrowing Capacity Calculator

Calculate your maximum borrowing power based on income, expenses and Australian lending criteria

Loan Configuration

3.0% 6.0% 9.0% 12.0%
5.50%
5 years 15 years 25 years 35 years
📊 Percentage
💵 Dollar Amount
5% (FHB Schemes) 20% (No LMI) 50% (Low Risk)
$
Equivalent to: 20% of purchase price

💰 Income Details

$
$
$

💳 Expenses & Liabilities

$
$
$

🎯 Maximum Borrowing Capacity

Maximum Loan Amount
$0
Monthly Repayments (P&I)
$0
Available Monthly Income
$0

💡 Borrowing Assessment

Enter your income and expenses above to calculate your maximum borrowing capacity using Australian lending standards.

🏦 Lender Shopping Strategy

Big 4 banks often use 3.2-3.5% serviceability buffers. Credit unions and building societies frequently offer exactly 3.0% - potentially increasing your borrowing by $40,000-$80,000! Consider using a broker to access multiple lenders.

🏠 Property Purchase Power

With your deposit strategy, you could purchase properties up to $0 (requiring $0 deposit).