* Please use as a guide only.
ONE FINANCE AUSTRALIA
Estimate how much you may be able to borrow based on your household income, living expenses, existing commitments and proposed loan details.
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.
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.
Adjust the rate, loan term and assessment buffer.
INDICATIVE ESTIMATE
Illustrative comparison of accepted income and commitments.
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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Call: 1300 536 159
Mortgage Brokerage: neil@onefinanceaustralia.com.au
Personal Finance: hello@onefinanceaustralia.com.au
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One Finance Australia is committed to delivering innovative and tailored solutions across mortgage and asset finance and property acquisition.
The information provided on this site is on the understanding that it is for illustrative and discussion purposes only. Whilst all care and attention is taken in its preparation any party seeking to rely on its content or otherwise should make their own enquiries and research to ensure its relevance to your specific personal and business requirements and circumstances. Terms, conditions, fees and charges may apply. Normal lending criteria apply. Rates subject to change. Approved applicants only.
1 There may be occasions where you may be charged a fee by your broker.
2 Your broker is able to assess each lender's approval times and identify those that can provide approval quickly, however this is subject to change and can vary significantly based on how complex is your loan application and how quickly you’re able to provide the information we need.
3 Not all lenders are available to all brokers. The exact details of the lenders your broker has access to is disclosed within the Credit Guide your broker gives to you when providing credit assistance or is available upon request.
4 The way in which your broker will stay in touch with you will differ, however typically this will be via email. In addition you will be able to contact them for guidance as required. You are able to opt out of these communications at any stage.
** There may be occasions where you may be charged a fee by your broker.
