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How much can you borrow?

Estimated under APRA responsible-lending. Results are indicative — every lender's actual assessment differs, but this gives a realistic budget ceiling.

Household gross annual income (AUD)

AdultsChildren

Existing monthly debt repayments (AUD)Total credit card limits (AUD)

Product rate (%)Loan term (years)

Loan typeIncome sourceVisa statusInvestment property rent / month (AUD, 0 if owner-occupied)Already a homeowner (affects HEM)

Estimate

Midpoint estimate

$245,000

Range: $208,000 – $281,000

Monthly net income$9,180/mo

Monthly HEM living cost$6,400/mo

Existing monthly debts$760/mo

Monthly disposable for repayment$2,020/mo

Assessment rate9.29%

Notes

· 信用卡额度 $20,000 按 3.8%/月 ($760) 计入支出（APRA 规则）
· 按评估利率 6.29% + APRA buffer 3% = 9.29% 测算供款能力

Indicative only. Real lender assessments vary by policy and may differ ±15–30%.