Borrowing Capacity Estimator
Mirrors the logic of a lender’s servicing model using the APRA assessment rate (current rate + 3% buffer) and a simplified HEM living-cost benchmark.
Borrowing Capacity Estimator (Simplified Servicing)
Uses APRA assessment rate (current rate + 3% buffer) and a simplified HEM benchmark for living costs. Final approval depends on the lender’s servicing system.
How to use
Results refresh as you edit the fields — no need to press Calculate. Adjust any input to test alternative scenarios.
Notes
Final approvals also consider product policy, credit files and employment stability; treat this result as a self-check only.