A fast, high-level estimate—not a lender approval or credit assessment.
Estimated borrowing range
This simplified calculator applies broad assumptions, including an approximate net-income factor and a buffer to the modelled repayment capacity. It does not model HEM/lender expense benchmarks, tax variations, dependants, credit-card limits, HELP/HECS, rental shading, negative gearing, existing loan assessment treatment, lender-specific buffers, policy caps or product rules. It is not a quote, pre-approval, credit decision or financial advice. Actual borrowing capacity can be materially lower or higher.
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