Estimate your maximum loan amount based on income and expenses
Income
Loan Details
6.50%
2%12%
Monthly Expenses & Liabilities
P&I Borrowing Power
$0
Interest Only Borrowing Power
$0
Lender DTI Range (3x – 4x Gross Income)
Conservative lenders $0
Higher capacity lenders $0
3x — Minimum4x — Typical Maximum
Important Disclaimer — A One Accountants Pty Ltd: This calculator is provided for general informational purposes only. Borrowing capacity estimates are based on general serviceability principles and do not represent a formal credit assessment or pre-approval. Actual borrowing capacity is determined by individual lenders based on your full credit history, employment type, existing liabilities, property type, LVR, and current lending policies. All figures are estimates only. Please consult us if you require specific advice on your borrowing capacity and loan options. A One Accountants Pty Ltd accepts no liability for any reliance on this tool.
⚠ Credit & Lending Warning
Borrowing capacity figures shown are indicative estimates only and do not constitute a credit offer, pre-approval, or formal assessment by any lender. Australian Credit Licence (ACL) holder requirements apply to all formal lending decisions. DTI ranges shown (3x–4x) are simplified lender guidelines only — individual lenders set their own policies. Always seek independent financial and mortgage advice. This tool does not replace a formal home loan assessment.