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How much could you borrow?

An indicative maximum based on your income, commitments and household — assessed with an APRA-style rate buffer, the way lenders do it.

Your situation

Gross annual income$95,000

Before tax, excluding super.

Partner's annual income$0

Leave at $0 if applying solo.

Other annual income$0

Rental, dividends, bonuses — lenders shade this to 80%.

Monthly debt repayments$400

Car loans, personal loans, HECS, plus ~3.8% of credit card limits.

Monthly living expenses$2,800

A HEM-style household floor applies if this looks too low.

Dependants0

Estimated maximum borrowing

$272,000

Indicative only — lender policies, credit history and property type all move this number.

Monthly surplus after commitments$2,183/mo

This is what's left each month to service a new loan at the assessment rate.

Assessment rate 8.99%30-year term assumedHealthy surplus

⚠️Results are indicative estimates only and must be reviewed by a licensed MakeMyLoan broker before you rely on them. Your application has not been lodged.