Mortgage Repayment Calculator
Estimate monthly repayments by loan amount, term, and interest rate.
Borrowing Power Estimator
How much could you borrow? This estimate uses standard serviceability math: surplus income, a stress-tested rate (APRA buffer +3.0%), and a comfort margin you can dial in.
Income & expenses
Loan assumptions
Estimated maximum loan
$437,597
With your $150,000 deposit, that targets a property up to $587,597.
Monthly surplus
$4,500
Sustainable repayment
$3,600
Stress rate
9.25%
About this calculator
This is a rough guide, not a loan pre-approval. Banks use their own serviceability models (HEM expense floors, credit-card limit uplifts, shaded rental income, dependant adjustments) that are stricter than this estimate. Talk to a licensed mortgage broker for a real assessment.