Free Borrowing Power Calculator
Answer a few questions and see your indicative borrowing range - calculated the accurate way, using the same income, expenses and buffer checks a lender runs. No credit check.
Counted at 80%, the way a lender does.
Leave blank and we'll use the lender minimum (HEM), calculated from your household and income.
Your indicative borrowing range
Fill in your details for an indicative range.
Your exact number is worth a conversation.
Different lenders land in very different places, and how you structure the deal can lift your capacity well beyond a standard calculator. That's where we come in.
Please enter your name, a valid email and mobile.
No credit check. No obligation. We'll call you back.
The simple version
Lenders don't just look at your salary. They take your after-tax income, subtract your living expenses and any existing loans or credit-card limits, then work out how big a loan the money left over can comfortably repay. Crucially, they test your repayments at your interest rate plus a buffer of around 3% (the APRA serviceability buffer), so you can still afford the loan if rates rise. Our calculator follows the same logic to give you a realistic guide.
Beyond the number
Your borrowing power tells you what's possible. The real question is how to use it well - buying the right property type, in the right location, with the right structure, so it works harder and gets you to the next one faster. That's what we do at BrixFolio: we bring developer thinking to everyday investors, turning your capacity into a portfolio that builds itself.
Talk to our teamQuestions people ask
On a single income around $100,000 with modest expenses and no other debts, many borrowers can access roughly $450,000 to $550,000 - but it varies a lot with your expenses, deposit and lender. Enter your own numbers above for a personalised estimate.
Lenders take your net income, subtract living expenses and existing commitments, then size the loan your surplus can repay - assessed at your rate plus about a 3% buffer.
No. It's an educational estimate only - no credit check, no application, no impact on your credit score.
No. It's a guide. Real capacity and approval depend on a lender's full assessment. Always confirm with a licensed mortgage broker or lender.
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This borrowing power calculator provides a general estimate only, for educational purposes. It is not a loan application, a loan approval, or financial, credit or taxation advice, and it does not run a credit check. Estimates are based on the information you enter and general assumptions, and actual borrowing capacity varies by lender and personal circumstances. Always seek advice from a licensed mortgage broker, lender or financial professional before making any decision.