Tools
The starting point.
Not the answer.
Two quick tools — what your repayments would look like, and roughly what you could borrow. The number you can actually borrow depends on the lender, your full picture, and a conversation we'd love to have.
Repayment calculator
What will it cost me each fortnight?
Indicative principal-and-interest repayments at a fixed rate. Real numbers vary by lender.
Indicative repayment
$1,749.52
per fortnight
- Total interest over loan life
- $764,624
- Total amount paid
- $1,364,624
Indicative only — actual rates depend on the lender, your situation, and the day of the week. Talk to us for a real quote.
Borrowing power estimator
How much could we borrow?
A rough range based on bank stress-test rates. The real number always comes after a proper conversation.
Indicative borrowing range
$371,354 – $480,000
- Income suggests
- $371,354 – $557,031
- Deposit caps at 80% LVR
- $480,000
You're in a balanced spot — income and deposit roughly line up. Talk to us about the cleanest path to settle.
Rough estimate using a 9% stress-test rate over 30 years. Actual borrowing power varies dramatically by lender and situation. Always talk to us before making an offer.
How we work it out
The math behind the numbers.
Repayment calculator
Standard principal-and-interest formula at a fixed rate over the loan term you choose. We don't apply fees or low-equity premiums — those depend on the lender and your situation.
Borrowing power estimator
We use a 9% stress-test rate (most banks stress at 8.5–9.5%, well above the going rate) over 30 years. We knock combined income down to a rough after-tax figure, subtract committed expenses and a per-dependant allowance, then assume around 45% of net income is available for servicing. The deposit cap assumes a standard 80% LVR — there are paths to borrow more with low-equity options or a guarantor.
The output is a range, never a single number. Different banks come back with very different answers for the same applicant; this is meant to give you an honest ballpark, not a quote.
Want the real number?
A 20-minute call beats a calculator.
Send us your details — including the calculator inputs you've been playing with — and we'll come back with a proper read on what's possible.
