Borrowing Power Calculator

Our Borrowing Power Calculator is a simple tool to help estimate how much you may be able to borrow for a home loan based on your income, expenses, and household situation. It uses a conservative approach to factor in living costs, liabilities, and a buffer interest rate, giving you a rough idea of your borrowing capacity.

To use the calculator, enter your annual income, any additional earnings (like bonuses or rental income), and your regular financial commitments. The tool will estimate your usable income and calculate an approximate borrowing limit based on standard lending criteria.

Please note: this calculator is designed to give you a cautious estimate — actual borrowing power can vary significantly depending on your lender, credit history, and other personal factors. We recommend booking a free appointment with us to discuss your results in more detail, and how we can achieve your loan goals.