Borrowing Power Calculator

Estimate the maximum home or investment property loan Australian lenders could approve for your household.

Gross Annual Income ($)

Partner / Second Income ($)

Monthly Living Expenses ($)

Other Monthly Debts ($)

Credit Card Limit Total ($)

Ex-Banker Strategy: Reducing or closing unused credit card limits directly boosts your borrowing capacity at a ratio of approximately $1 to $5.

Estimated Borrowing Capacity

$1,120,000

+$150k higher with Crystal Loans panel optimization

Combined Annual Income: $200,000

Total Monthly Commitments: $4,300