Borrowing Power

* Please use as a guide only.

ONE FINANCE AUSTRALIA

Borrowing Power Calculator

Estimate how much you may be able to borrow based on your household income, living expenses, existing commitments and proposed loan details.

Your household

Enter your regular income and household details.

$

Enter regular take-home income after income tax.

$

Examples may include eligible allowances, maintenance or investment income. Lenders may not accept all income sources in full.

$

Expenses and commitments

Include your regular household and credit commitments.

$

Include food, utilities, transport, insurance, education, entertainment and other regular household expenses.

$

Include car loans, personal loans, buy-now-pay-later commitments and existing property loans.

$

Enter the total limits, not only the balances currently owing.

$

Proposed home loan

Adjust the rate, loan term and assessment buffer.

6.00%
% p.a.
30 years
5 years 20 years 40 years
3.00%
0% 3% 6%

INDICATIVE ESTIMATE

Your estimated borrowing power

Guide only
Estimated borrowing range $0 – $0 This is not a loan approval or lending offer.
Central estimate $0
Estimated monthly repayment $0
Assessment interest rate 0.00%
Accepted monthly income $0
Estimated monthly commitments $0
Estimated available loan repayment $0
Indicative income multiple 0.0×
Enter your details to receive an indicative borrowing estimate.

Monthly cash-flow estimate

Illustrative comparison of accepted income and commitments.

What could affect your actual borrowing power?
Credit history Employment type Income verification Property type Deposit available Lender policy Existing liabilities Living-expense assessment
Your borrowing power is more than a calculator result.

Different lenders use different assessment rates, income treatment, expense benchmarks, credit-card commitments and lending policies. One Finance Australia can compare lender options and provide a more personalised assessment of your position.

This calculator provides an indicative estimate for general information and illustrative purposes only. It uses simplified assumptions and is not a lender serviceability assessment. Actual borrowing capacity may be higher or lower and will depend on lender policy, verified income, living expenses, dependants, liabilities, credit history, interest rates, loan structure and other factors. The result does not constitute financial, legal or credit advice, a credit assessment, an offer of finance, a pre-approval or a guarantee of approval. Consider your circumstances and seek appropriate professional advice before making a financial decision.

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