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See where you stand
Estimate what you may be able to borrow using your current income, expenses and commitments.
Home loan calculator
Borrowing Capacity Calculator
Estimate how much you may be able to borrow, then explore how lender policy and loan structure could shape your available options.
Calculate your borrowing position ↓Borrowing Capacity Calculator
Enter your income, expenses and debts to estimate how much you could borrow.
Your result is a starting point. We can help you understand what it means for you.
Your starting point
Understand your borrowing position
The calculator gives you a useful estimate. The next step is understanding how lender policy, loan structure and your circumstances may change the result.
Compare more clearly
Different lenders can assess the same borrower differently, so one estimate is not always the full picture.
Plan your next move
Adjust the numbers, explore scenarios and decide what deserves a closer professional assessment.
Worth knowing
A calculator is an estimate—not an approval
Your result is an estimate based on the information you enter and the assumptions used by the calculator. It is a useful starting point, but it is not a loan approval or a guarantee of how much a lender will offer.
Each lender assesses income, expenses, existing debts, credit history, deposit size and its own lending policies differently. For a more accurate view of your borrowing position, speak with The Digital Brokerage before making an offer or financial commitment.
Frequently asked
Borrowing capacity, explained
Short answers to the questions people commonly ask after using the calculator.
What is borrowing capacity?+
Borrowing capacity is an estimate of how much a lender may allow you to borrow after assessing income, expenses, existing commitments and its own lending policy. It is not a formal loan approval.
Why can different lenders give different results?+
Each lender applies its own rules to income, expenses, dependants, debts, credit limits and serviceability buffers. The same application can therefore produce different outcomes.
Do credit card limits affect borrowing capacity?+
They can. Lenders commonly assess the approved credit limit as an ongoing commitment, even when the card has a low balance or no balance.
Is the calculator result the same as pre-approval?+
No. The result is a guide only. Pre-approval requires a lender assessment and usually includes verification of income, liabilities, expenses and other supporting information.
What should I do after using the calculator?+
You can refine your figures and then compare the result against actual lender policies. A broker can help identify suitable options before an application is submitted.
Ready when you are
Turn the estimate into a clearer plan.
Talk with us about your borrowing position, the options worth comparing and your next practical step.
