How much can you borrow?
Find out how much you can borrow to buy your next property with our Borrowing Capacity Calculator
Rated 5 from 137 Reviews
Services
Rated 5 from 137 Reviews
Estimate how much you could borrow. Assessed the way lenders do — on your income after tax, minus living costs and debts, at your rate plus APRA's 3% buffer.
First, where should we send your results?
Enter your details to unlock your personalised borrowing estimate. Dougal will follow up with your full breakdown and options — no obligation.
New to this? Read how much can I borrow for what lenders really look at.
This calculator provides an indicative estimate only, based on general assumptions (ATO resident tax rates, the Household Expenditure Measure for living costs, and APRA's 3% serviceability buffer). It is not an offer, pre-approval, or financial advice, and does not account for individual lender policies. Your actual borrowing capacity will vary between lenders and will be confirmed only after a full assessment. Money Sense Finance Pty Ltd trading as Money Sense Lending, Credit Representative #569124, authorised under Australian Credit Licence #232706.
Self-employed, contracting or running a business on an ABN? Our self-employed home loans guide covers what lenders ask for and where applications come unstuck.
JS
Joanne Shih
He actually took the time to go through my financial situation and discuss strategies with me — something other brokers I spoke to didn’t really do. Even though my case was high LVR, the loan was approved within 2 months of our first contact. He was incredibly patient with all my overthinking and endless questions, and never once made me feel rushed. Couldn’t recommend Dougal more highly.
MK
Matt Kay
Communication was great from the start to the end with a great result. Dougal and the team know what they’re talking about and made the experience smooth and stress free.
SH
Sophie Hildebrand
Had a really great experience working with Dougal. He was professional, easy to communicate with, and made the whole process smooth and stress-free. Always quick to answer questions and kept us informed every step of the way. Highly recommend!
We can help with Home and Investment Loans, Construction Loans, Car Loans, Personal Loans and much more. If you're looking to borrow to buy something, we can probably help.
Mortgage Brokers are there to help you find the right loan whether it be from the major banks, smaller lenders or other sources. We have a broad range of products (more than any single lender can offer) which means we can do all the legwork to find the right loan for you.
Of course! Refinancing is a big part of what we do. We compare loans across a panel of 30+ lenders so you can see how your current loan stacks up on rate, fees and structure. What's right depends on your situation — and there's no cost to you, as the lender pays us at settlement.
We love helping First Home Buyers! We're experts at the entire process and can help you get the right Home Loan. We're also across the various schemes to help First Home Buyers such as the First Home Owners Grant and the various stamp duty exemptions available.
All of our Mortgage Brokers are accredited and members of the Mortgage and Finance Association of Australia. They are extremely professional and provide exceptional service across a range of lending options.
We take look at a wide range of products available from Banks, Credit Unions & other lenders across the country. This means we can search thousands of products and make sure we're always recommending the best Home Loans for our clients.
Money Sense Finance Pty Ltd trading as Money Sense Lending. ABN: 68 687 032 373. Credit Representative #569124 is authorised under Australian Credit License #232706.
Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.