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Find out exactly how much you can borrow and comfortably pay back.

The first step to buying your own home? Is knowing how much you can borrow. Get a sense of your budget with our calculator below 🤓

Sort your money

Just provide a few details, and our clever finance team will let you know if you’re eligible.

What factors affect how much I can borrow?

Your borrowing power is determined by criteria designed to assess whether you can meet your home loan repayments. Below are the most common factors that banks and other lenders will consider when determining how much you can borrow.

faq item for How much income do I need to borrow for a mortgage?

Income

How much income do I need to borrow for a mortgage?

Your income is one of the first and most important criteria lenders will look at. Besides assessing your ability to afford loan repayments, lenders will also consider your employment security and any apparent future risks, e.g. self-employment. Generally, the more stable your monthly income, the more likely your application will be approved.

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