02 / Repayment ratio
Debt service ratio (DSR).
Understand how your current monthly debts and a potential housing repayment interact with your assessed income.
Property finance tools
Calculations stay in your browser
Estimate how much you could borrow
Explore a repayment-based borrowing scenario using your own assumptions — not a bank quote.
Understand your debt service ratio
Compare all recurring repayments against your entered assessed monthly income.
Legal fees & purchase costs
Manual quotation mode. Enter known amounts from your lawyer, bank and government payment estimates.
How this estimate works
DSR = (existing monthly debt repayments + proposed monthly housing repayment) ÷ assessed monthly income × 100. The selected DSR target is an assumption, not a universal lender policy.
Important limitations
Gross income and take-home income produce different ratios. Confirm which earnings and liabilities a lender actually assesses before making a commitment.
Estimates for planning only. Not a loan approval, legal quotation or formal property valuation. The entered financial figures stay in your browser.