Precision Assessment Engine
Borrowing Capacity Calculator
1. Borrower Profile
2. Annual Incomes (Pre-Tax)
$125,000
$85,000
$12,000
*Lenders shade secondary/rental income to 80%.3. Living Costs & Commitments
$3,200 / mo
Benchmarked against HEM floor of $3,320/mo.$500 / mo
$10,000
*Lenders assess 3.5% of total limit monthly, even at $0 balance.HECS / HELP Education Debt
4. Loan Preferences
Estimated Max Borrowing Power
$1,235,000
Tested at stress rate of 9.14% p.a. (APRA Buffer)
Monthly Repayment
$7,516
At 6.14% p.a.
Fortnightly Repayment
$3,469
At 6.14% p.a.
Monthly Gross Cashflow ($18,500/mo)
Surplus: $10,065
Living: $3,320
Debts: $850
Tax: $4,065
Cash Deposit / Equity$180,000
Total Estimated Budget:LVR: 87.3% (LMI May Apply)
$1,415,000Lending Criteria
Key Factors That Shape Your Capacity
Three core benchmarks Australian lenders use to assess your formal borrowing power.
APRA 3.00% Stress Buffer
Lenders test repayments at 3.00% above your actual rate to ensure loan safety if interest rates increase.
Credit Card Limits
Banks count ~3.5% of your approved credit card limit monthly as an ongoing commitment, even if your balance is $0.
Statutory HEM Benchmark
Lenders compare declared living expenses against official household benchmarks (HEM) based on family size and location.
Clear Answers
Frequently Asked Questions
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