Borrowing Power Calculator

This calculator is only a guide. It is designed to help you work out your borrowing power based on your current financial position. The calculation uses your Debt Servicing Ratio which is found by dividing your total monthly repayments by your total monthly income. It calculates a recommended borrowing amount (mortgage). Some institutions will lend more, others less. We recommend you complete our easy application form so we can find a lending institution that best matches your requirements.


  • Enter the relevant details for your income and expenditure
  • Choose your loan details.
  • Click once on the "Calculate" button to calculate your result.


Total Gross Monthly Combined Income
Total Monthly Combined Gross Salary and Wages:
Other Monthly Income:
Current Expenses
Monthly Loan Repayments
Monthly Credit Card Repayments
Other Monthly Repayments
Enter numbers only.
Do not enter dollar signs or commas.
Loan Details
Term of Loan
$ years
Annual Interest Rate
$ %
Annual Interest Rate
You can borrow up to:
$ *
* You may be able to borrow more. Please contact us for details.