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Our borrowing power calculator gives you a quick estimate of how much you could borrow based on your income, expenses and debts.
Every lender assesses borrowing power differently, so use the borrowing power calculator as a starting point, then let us compare 50+ lenders for your exact figure.
How we work: every application starts with a free conversation about your goals. We then compare rates, fees and features across our lender panel, explain the pros and cons of each option in plain English and recommend the option that suits you. Once you are happy, we prepare and lodge the application, follow up with the lender and keep you informed by phone, text or email until settlement.
Why use a broker? Lenders have very different credit policies. One bank might decline an application that another approves at a sharper rate. Because we work with major banks, regional lenders and specialist lenders, we can match your situation to the right policy the first time, saving you time and protecting your credit file from multiple enquiries.
Try the borrowing power calculator above, then contact us for a free assessment.
Helpful independent resources:
Work out what you can borrow, your repayments, NSW stamp duty and more. When you're ready, we'll turn the estimate into a real answer from 50+ lenders, free.
Results are estimates only and not a quote or approval. See the important information below.
Estimate how much you could borrow based on your income, expenses and debts.
You could borrow around
$0
Lenders test your repayments at a higher rate, use their own expense benchmarks and policies. Different lenders can give very different results.
Get my exact borrowing power or call 0422 905 666See your repayments and the total interest over the life of the loan.
Your repayment
$0
Assumes the rate stays the same for the whole term. Excludes fees.
Find me a lower rate or call 0422 905 666Transfer duty for NSW property using 2026–27 rates, including first home buyer exemptions and concessions.
Estimated stamp duty
$0
Estimate only. Eligibility rules apply. Check with Revenue NSW or your conveyancer before exchanging.
Check my first home buyer options or call 0422 905 666How much cash you'll need on settlement day, not just the deposit.
Cash needed upfront
$0
Borrowing over 80% LVR usually means Lenders Mortgage Insurance, unless a government scheme or guarantor applies.
Help me reduce my upfront costs or call 0422 905 666See how much time and interest you could save by paying a little extra each month.
You could save
$0
Check your loan allows extra repayments. Fixed rate loans often limit them.
Find a loan with flexible repayments or call 0422 905 666Money in an offset account reduces the balance you're charged interest on.
Interest you could save
$0
Assumes you keep making your normal repayment and the offset balance stays in the account.
Find a loan with a 100% offset or call 0422 905 666Compare your current loan with a lower rate, including switching costs.
Monthly saving
$0
Fixed rate loans may have break costs. We'll check the full picture before you switch.
Get my free refinance check or call 0422 905 666Repayments for car loans, truck finance and equipment finance, with an optional balloon.
Your repayment
$0
Excludes fees. Business borrowers should ask their accountant about GST and tax treatment.
Get pre-approved or call 0422 905 666Compare investment properties by gross and net rental yield.
Gross rental yield
0%
Before loan interest and tax. Speak to your accountant about tax deductions.
Talk about investment loans or call 0422 905 666How long until you have your deposit?
You'll reach your goal in
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Eligible first home buyers may be able to buy with a 5% deposit under government schemes, sooner than you think.
See if I can buy sooner or call 0422 905 666They give a useful estimate based on what you enter and standard assumptions. Real results depend on each lender’s policies, your full financial situation and current rates. Treat them as a guide and talk to us for an accurate figure.
Every lender uses its own expense benchmarks, buffers and income rules. The same person can see a difference of tens of thousands of dollars between lenders, which is why we compare 50+.
It uses Revenue NSW transfer duty rates and first home buyer thresholds for 2026–27. Duty can be affected by other concessions or surcharges, so confirm the final amount with your conveyancer.
Yes. Send us a few details using the form and we’ll calculate your real borrowing power and repayments across our panel of lenders, free and with no obligation.
No. These calculators don’t access your credit file. A credit check only happens if you choose to apply for a loan.
Tell us what you need and we’ll compare 50+ lenders for you. No cost, no obligation. Prefer to talk? Call 0422 905 666.
