wealth builders finance logo
Free Property Report

How much can you borrow?

Discover how much you can borrow and start planning your next move with confidence.
$
The results from this calculator should be used as an indication only. Results do not represent either quotes or pre-qualifications for a loan. The specific details of your loan will be provided to you in your loan contract. It is advised that you get in touch with us before taking out a loan so that we can provide you with advice that is tailored to your situation

FAQs

  • Uses 30 percent of gross monthly income as the repayment limit
  • Principal and interest repayments on a 30 year term
  • Interest rate defaults to 5.5 percent unless changed by you
  • Monthly repayment frequency with even payments across the term
  • Owner occupied loan with no offset or redraw considered
  • No fees, taxes, LMI, or stamp duty included in the estimate
  • No other debts, credit limits, or living expenses factored in
  • Stable income and standard credit profile assumed
  • Results are a guide only and not a credit approval

A mortgage broker offers access to multiple lenders, personalised loan recommendations, expert guidance, and simplifies the application process, saving you time and effort. They also get paid on settlement by the bank you choose, so a broker wont charge you for their time.

The amount you can borrow depends on factors like your income, expenses, existing debts, credit history, and the lender’s criteria. Use our borrowing power calculator for an estimate, but speak to a mortgage broker for a detailed assessment tailored to your circumstances.

Borrowing power refers to the amount a lender may allow you to borrow based on your income, expenses, debts, and financial situation. It’s an estimate and can vary between lenders.

No, the borrowing calculator provides an estimate only. The final amount will depend on a lender's assessment of your full financial situation, including their specific lending criteria.

Ready to make your next move?

This calculator is designed to give you a super quick idea of a conservative borrowing capacity. The best way to get a true idea is to talk to a broker. We will help get a true guide, organise pre-approval and find a great rate loan to match.
Book an appointment
Or email us your question
Calculator CTA

Call us, were here to help

Our expert insights will help guide you through the process and get you to your goal sooner.
Call now

Book an appointment

Experience the difference, we take out the leg work and we will fit into your schedule.
Book a chat

Start your application

We get it, you’re in the moment. Apply online and we will send you the top 3 rates for your loan.
Get started
The information provided on this site is on the understanding that it is for illustrative and discussion purposes only. Whilst all care and attention is taken in its preparation any party seeking to rely on its content or otherwise should make their own enquiries and research to ensure its relevance to your specific personal and business requirements and circumstances. Terms, conditions, fees and charges may apply. Normal lending criteria apply. Rates subject to change. Approved applicants only.
Sam Potter is a Credit Representative (570029) of BLSSA Pty Ltd ACN
117 651 760 Australian Credit Licence 391237. Wealthbuilders Finance Pty Ltd (ABN: 46 686 102 394) is authorised under LMG Broker Services Pty Ltd ACN 632 405 504 Australian Credit Licence 517192

Home loans

Other Loans

Contact

03 9829 9188

Don't Be Shy, Say Hello.

  • You'll be contacted within 24 hours
  • You'll receive our Credit Guide & Welcome Pack
  • You choose a time and your dedicated broker will be ready for a quick chat
Book a chat
Contact Us - Popup
First
Last