01 / Borrowing estimate
Loan eligibility estimate.
See what your selected monthly repayment budget might support, before you compare property asking prices.
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
Available repayment = max(0, assessed monthly income × target DSR − existing monthly debt). The indicative loan principal is calculated by discounting that repayment over your entered tenure at your assumed annual rate.
Important limitations
This tool does not calculate a bank approval. Real lender criteria can differ by income treatment, debt assessments, property value, age, credit information, policy and promotional terms.
Estimates for planning only. Not a loan approval, legal quotation or formal property valuation. The entered financial figures stay in your browser.