Mortgage Affordability Calculator

The amount that you may be able to borrow is dependant on a number of factors; basic salary, other income and loan commitments. However, not all lenders use the same process to decide how much they will lend.

This calculator takes the traditional approach using income multiples, many lenders still use this process but many do not, although the results of those that employ different techniques are not significantly different. The amount that you may be able borrow from any specific lender could vary from the results of this calculator, therefore you should not rely on the results as a firm indication of what might be available.

The best way to find out how much you can borrow is to talk to us. We can determine which lenders are likely to consider you and can make an application in principle to obtain a lending commitment subject to survey. 

Affordability Calculator
  App 1 App 2
Basic Salary
Guaranteed OT \ Bonus
Regular OT \ Bonus (pa)
Credit Card Balances
Loan Payments (mth)