Australia Borrowing Power Calculator
Estimate home loan affordability in Australia using bank assessment rates.
Your Finances
Max Home Price
Based on a monthly budget of $2,250
Max Rent Budget
Based on 30% of gross income rule.
Car Affordability
Using the 20/4/10 rule (Conservative).
Debt-to-Income Health
34.0% RatioCanada and Australia figures use regulator rules verified as of August 2026 (OSFI stress test floor; APRA serviceability buffer). These change periodically — confirm current rates with a licensed lender before making a decision.
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Financial Analysis
Australian lenders calculate borrowing capacity using living expense benchmarks and assessment rates higher than market rates.
Compare Other Income Levels
Common Questions
How much house can I afford with $90,000 income?
With a 90,000 annual income, lenders typically qualify you for a home price between $315,000 and $405,000, assuming you have low existing debt.
How is this affordability estimate calculated?
Australian lenders calculate borrowing capacity using living expense benchmarks and assessment rates higher than market rates.
Does this calculator include property taxes?
Yes, our affordability engine automatically estimates property taxes and insurance to give you a realistic 'PITI' budget, not just a raw loan amount.
Estimates last reviewed June 2026. Not financial advice — consult a lender for a formal pre-approval.