Find your maximum borrowing power
Use our home loan borrowing power calculator to answer two of the most common questions home buyers have: “Can I afford to buy a house?” and “How much can I borrow?”
Things you should know
Home loan borrowing power calculator
The results are a guide only. They are not a quote, credit approval or offer of credit. This tool is not necessarily suitable for self-employed persons. The results are not advice on how much you can or should borrow, which product you should choose, the product features or options, or about making extra payments. The calculator does not take into account certain tax considerations e.g. negative gearing, which you should receive your own advice on. You should speak to us or obtain professional advice about a loan that meets your requirements and objectives. The ranges of rates, terms and loan amounts in the calculator may not be available for products offered by us or other credit providers. Credit providers have different credit criteria and there may be other factors which affect whether you qualify for credit and the amount you could borrow. The results assume regular scheduled payments and that the interest rate does not change, and do not include any discount period. Interest rates are subject to change except during a fixed rate period. The rates and repayment amounts do not include any monthly service fees or lenders mortgage insurance if applicable. For the eFunds Express Complete Loan the variable interest rates displayed are based on Loan to Value Ratio (LVR) calculated using your LVR at the date we document your loan contract. eFunds Express Express available via online application only. Click here for more information.
1 Important information about comparison rate: The comparison rate displayed is calculated for a loan of $150,000 over 25 years. If the comparison rate relates to a loan with a fixed interest rate, the comparison rate has been calculated on the basis that our current applicable variable rate will apply at the end of the fixed rate period. WARNING: The comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
For eFunds Express Complete Fixed Rate Home Loan the comparison rate assumes a variable with Loan to Value Ratio (LVR) between 60.01%-80% will apply at the end of the fixed rate period.