Borrowing power calculator
How much could you borrow?
Your borrowing power depends on your income, living expenses and existing debts, and every lender assesses it a little differently. Enter a few details for a quick estimate of what you might be able to borrow, then talk to us for an assessment against real lender policies.
What is borrowing power?
Borrowing power (sometimes called borrowing capacity) is the maximum amount a lender is prepared to lend you for a home loan, based on what they believe you can comfortably repay. It isn't the same as what you'd like to borrow, or what you can afford day to day. It's the lender's number, worked out from your income, expenses, debts and the size of your household.
Every lender calculates it a little differently. Two lenders looking at the same payslip can arrive at quite different figures, which is one of the biggest reasons comparing options across a panel of lenders can give you more room than going to a single bank direct.
Estimated borrowing power
$0
- Estimated net income / month $0
- Living expenses used / month $0
- Other commitments / month $0
- Assessment rate (incl. buffer) 0%
- Repayment at your rate $0
* Lenders apply a minimum living-expense benchmark. We've used the higher of your figure and an estimated benchmark.
Get an accurate assessmentEstimate only. Uses simplified tax, a Kingdom Capital expense benchmark and a 3% serviceability buffer. Each lender's policy differs — this is not an offer of credit.
Important: This calculator provides a general estimate only and does not take into account your personal circumstances or any lender's specific credit policy. It is not a quote, credit assessment or offer of credit. Speak with a Kingdom Capital broker for advice tailored to you.
Want a figure you can rely on?
Calculators give an estimate. Book a free, no-obligation chat and we'll check your numbers against real lender policies across our panel.