Borrowing Power Calculator.
How much could you borrow?
Household
Commitments
You could borrow roughly
Midpoint $510,092, from about $4,068/month of serviceable surplus, assessed at 8.90% over 30 years. Different lenders will land differently inside this band.
Repayment at your rate
$3,026/mo
Household income
$120,000
Assessment rate
8.90%
If rates rise 1%
$467,445
Your monthly position (as a lender sees it)
How this is calculated＋
We convert gross income to net using 2025–26 resident tax rates plus the Medicare levy, subtract living expenses (or a household minimum floor if you enter less - lenders do the same, based on HEM), existing repayments and ~3.8%/month of your total credit card limits. The surplus is then annuitised at your rate plus APRA's 3-percentage-point serviceability buffer.
- The range reflects real lender-to-lender variation (policy, income shading, expense treatment).
- Cancelling unused credit cards is often the fastest borrowing-power win - try the slider.
- HECS/HELP, bonuses, overtime, rental income and self-employed income all get lender-specific treatment a broker can model properly.
Lenders assess dozens of factors - and vary by six figures. LINK Advance gets you a real, lender-backed number.
Talk to Advance →A guide only - not a loan offer, pre-approval or credit assessment. Actual capacity depends on the lender, your credit file, deposit, income type and more. LINK Advance are licensed finance brokers.