Accredited with Australia's leading lenders
Estimate how much you could borrow based on your income, expenses, and employment type — then get a free, no-obligation review from our brokers.
I'm looking to get started:
This is a conservative, lender-grade estimate — built on the same expense benchmarks and rate buffers banks use for real assessments.
This is a guide estimate based on standard lender benchmarks. Want us to run your actual borrowing capacity — free, no obligation?
Guide estimate only. Actual borrowing capacity depends on your full financial position, lender policy, and credit assessment. Does not constitute financial advice.
Your borrowing power estimate is the start of the conversation, not the end of it. Here's what happens next.
See why clients work with us →"I've worked with several brokers over the years for my investment portfolio, but Sam is in a different league. Responsive, knowledgeable, and always looking out for my best interest — not just the deal."
"Sam made what I thought was an impossible situation completely manageable. As a self-employed buyer, I'd been knocked back by two banks — Sam found us a lender within a week and we settled in 30 days."
No. This is a guide estimate based on the figures you enter and standard lender benchmarks. A pre-approval is a formal, conditional commitment from a specific lender after they've reviewed your actual income documents, credit file, and full financial position. Use this calculator to get a sense of your range, then book a call to start the real pre-approval process.
This calculator is built to be conservative and lender-grade — it applies the same living-cost benchmarks (HEM) and the regulatory rate buffer that real lenders use when assessing an application. Many banks' own public "how much can I borrow" calculators use rougher, more optimistic rules of thumb (often a simple multiple of income) designed to get you started on an application, not to predict what will actually be approved.
For a first conversation, nothing — Sam works from the numbers you share on the call. If you decide to move toward a real pre-approval, you'll typically need recent payslips or tax returns, three months of bank statements, photo ID, and details of any existing debts. We give you a complete checklist specific to your situation before you need to gather anything.