How much can I Borrow?

Find out your maximum home loan borrowing power. Enter your income, expenses and loan details to get an instant estimate – then speak to a G‑Loans broker for a personalised assessment

Refinancing illustration

Your loan details

Income

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$
$

Expenses

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$

Your estimated borrowing power

Maximum loan amount

$0

Monthly repayment

$0

Total interest

$0

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How this calculator works:

  • All incomes are converted to annual amounts. Rental income is taken at 80%.
  • Living expenses: minimums apply – $32,000/year for single, $48,000/year for joint + $7,500 per dependant. If your entered expenses are higher, the higher amount is used.
  • Credit card commitment is calculated as 3% of the total limit (per month).
  • Interest rate buffer: we add 3% to your entered rate to assess serviceability.
  • Loan amount is derived from your surplus monthly income (net income minus expenses).
  • Results are estimates only – actual borrowing power depends on lender policies, credit history, and property valuation.

This calculator provides an indication of your potential borrowing capacity. Speak to a G‑Loans broker for a full assessment and access to over 50 lenders.

Loan repayment Stamp duty How much can I borrow Equity calculator

Like the numbers? OR Still unsure?

These calculations are an indication. Every situation is different. A G‑Loans broker can give you a clear, accurate picture of your borrowing capacity.

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