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Borrowing Power Calculator

A general estimate of how much you could borrow. Lender policies differ — this is a starting point, not a loan approval.

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Estimated borrowing range
$281,000 – $364,000
Mid-point: $331,000
Estimated monthly repayment
$2,038.37
at current rate
Key factors: your income, expenses, existing commitments and credit card limits all reduce serviceability. Lender HEM benchmarks, dependants and the assessment rate matter too.
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Key assumptions
  • Rough 70% net take-home approximation.
  • HEM-style minimum living expense buffer.
  • Credit cards assessed at 3.8% of limit / month.
  • Not a lender serviceability calculation.

This calculator provides a general estimate only. Results are based on the information entered and the assumptions shown. Actual lender calculations, fees, rates, eligibility criteria and outcomes may vary. The results are not a loan approval, credit advice, financial advice, legal advice or tax advice. Speak with Box Seat Finance for an assessment based on your individual circumstances.

Related calculators

Loan Repayment
Estimate your regular home loan repayment.
Extra Repayment
See how much sooner you could pay off your loan.
Home Loan Offset
Model interest saved with an offset account.

Frequently asked

Is this a loan approval?

No. It's a general indication only. Every lender scores serviceability differently — Ryan can run your actual position with real lender calculators.

Why do credit card limits matter?

Lenders assume you could max your cards, so the full limit reduces what you can borrow — even if you pay them off each month.

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