Estimate how much you could borrow for an investment property based on your income, expenses, and existing commitments — using Australian bank assessment methodology.
Your Financial Position
Income
$
$
$
Living Expenses & Commitments
$
$
Loan & Rate Details
%
Assessment rate: 9.20% — Banks apply a 3% serviceability buffer above your actual rate. Your capacity is calculated using this higher rate to ensure you can handle rate rises.
Your Deposit
$
Enter your details and tap Calculate to see your borrowing capacity.
Repayments at 6.20%
Weekly—
Fortnightly—
Monthly—
Annual—
Property Affordability
Max property price (80% LVR)—
Max property price (90% LVR)—
Your LVR—
LMI required?—
Deposit—Purchase
Debt Serviceability
Monthly gross income—
Monthly net surplus (after tax & living costs)—
Debt-to-income ratio—
Assessment rate buffer applied—
Indicative estimate only. This calculator uses a simplified serviceability model based on common Australian bank assessment methodology. Actual borrowing capacity may vary based on your lender, credit history, employment type, and other factors. Speak with a mortgage broker or financial adviser before making any investment decisions.