Calculators
Borrowing capacity
An indicative guide to how much you may be able to borrow. The real figure depends on the lender — let's confirm yours together.
$120,000
Combined take-home pay for all applicants.$3,500
$600
Car & personal loans, HECS, credit-card minimums.6.20%
Indicative only — your rate depends on the lender and loan.30 years
Your estimate
You may be able to borrow around
$545,000 – $610,000
Indicative purchase budget*$675,000
Est. monthly repayment$3,736
Assessed at (incl. buffer)9.20%
What's shaping this
- Single applicant, 0 dependants
- Based on your monthly surplus after expenses and commitments
- Assessed at 9.20% — a 3.0% buffer above your rate
- Indicative budget assumes about a 10% deposit plus costs
*Budget assumes a ~10% deposit. Real capacity varies by lender policy.
Talk to Charis about thisBuild my property reportAn estimate only — not an offer of credit. Charis can run a precise assessment with the right lender for you.