Mortgage & Home Buying Calculators
Work through it in order: how much you can borrow, what price that gets you, stamp duty, cash needed on the day, your repayments and LMI. Each step carries your numbers into the next, so you only type them once.
How Much Can I Borrow?
Start here. Enter your income and commitments to see roughly how much a lender may lend you. Lenders test your repayments at your rate plus a 3% buffer.
Repayments are deducted using ATO HECS/HELP income-based thresholds.
Living expense benchmark: $2,600/mo single + $600 per dependant. The higher of your input or the benchmark applies.
Midpoint estimate: $469,000
Want a copy of these figures?
Email these numbers to yourself or review them with Joseph Eissa.
These calculators provide estimates only and are a guide. They do not constitute credit advice or a loan approval and do not take into account your full financial situation. Lender policies, rates and fees vary. Speak to us for an assessment of your circumstances.
Need an accurate assessment across 30+ lenders?
Calculators provide a helpful baseline, but bank lending policies vary significantly. Joseph Eissa will assess your exact situation against policy exceptions, overtime income, living expense nuances, and lender discounts.