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Borrowing power calculator

Find your starting point by answering the key questions below, then reveal a rough borrowing range and repayment guide.

Your situation

First, tell us what you’re working towards.

This keeps the experience in context. The estimate itself is based on income, expenses, debts and the assumptions you choose.

Choose the details above to keep going.

Income

Now add the income we should use.

Use annual income before tax for each applicant. If income is self-employed or variable, we shade it slightly because lender treatment can vary.

For rent, use the gross monthly amount. The guide shades rental and other income because lender treatment can vary.

Add annual income to keep going.

Costs and settings

Add the commitments, then choose the assumptions.

Nothing reveals until you’re ready. Use this last step to make the guide feel closer to the scenario you want to test.

Costs and commitments

These are the inputs that usually have the biggest impact after income. Existing home loans can be added as a balance or as monthly repayments.

Loan assumptions

Change these before you calculate. The default rate adjusts by goal: 6.30% for owner-occupied or refinance scenarios and 6.50% for investment scenarios.

Add monthly living costs before calculating.

Ready for the estimate?

We’ll use the details above to reveal a rough borrowing range and repayment guide.

Your starting range

$0rough borrowing range

This is a rough guide only, but it gives you a cleaner starting point for a real lending conversation.

Estimated monthly repayments $0
Income used$0
Costs used$0
What this estimate included
  • The borrowing range will summarise the income, costs, debts and loan assumptions used in your estimate.

This is still a guide only. It does not model negative gearing, tax deductibility, full self-employed income policy or every lender-specific rule. To change the repayment rate, buffer or loan term, go back to costs and settings and calculate again.

Ready to talk about your loan options?

Manson can pressure-test the numbers against real lender policy and help map the cleanest next step.

Let’s get started

This is a rough estimate only. It is not a loan approval, credit quote, recommendation, financial advice or tax advice. Actual borrowing capacity depends on lender policy, verification, expenses, liabilities, property type, deposit, product choice, tax treatment, income type and credit assessment.

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