RBA cash rate 4.60%, up 0.25% on 29 Sep 2026. Next decision 3 Nov.What it costs you →
Finfident: Simplifying Home Loans with Confidence
Calculator

How much can I borrow?

Estimate your borrowing power using the same building blocks lenders use: income after tax, living expenses, debts and the 3% serviceability buffer.

Buying
$
$
$
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You could borrow around$0
Repayment at your rate
Lender test rate (+3%)
Debt-to-income
Uses 2026–27 resident tax rates plus 2% Medicare levy, APRA's 3% serviceability buffer, 3.8% of card limits and $450/month per dependant. Lender policies vary, so your real figure may differ.

This calculator gives general estimates only and isn't an offer of credit. Example rate pre-filled: 6.49% p.a. Change it to your own rate.

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