Compare lender policy
Different lenders assess income, expenses, visas and property types differently.
Home loan calculators
Estimate your borrowing power and repayments before you apply
Use the borrowing capacity calculator to understand what may be possible, then switch to repayments to test loan amounts, rates, terms and repayment frequency. Results are indicative and designed to start a better broker conversation.
Borrowing capacity
How much can I borrow?
Get an instant estimate of your Australian home loan borrowing capacity. Enter your income, expenses and loan details to see what you may be able to borrow and your indicative repayments.
Remaining loan balance over time
You can borrow up to approximately$0
Ready to take the next step?
Get a Free Consultation
Speak with Ben to get your personalised borrowing assessment.
This calculator provides an estimate only and is not a loan approval, quote or credit assessment. Lender servicing rules, credit policy, living expense benchmarks, deposits, credit history and property details can materially change your result.
Send this result to Ben
Repayments calculator
What will my repayments be?
Enter your loan amount, interest rate and term to get an estimate of your monthly, fortnightly or weekly repayments.
Loan balance over time
Loan balance remains unchanged during an interest-only repayment period.
Weekly repayments$0
Fortnightly repayments$0
Monthly repayments$0
Want to know if you can do better?
Book a Free Loan Review
Ben can compare rates across 30+ lenders to find a competitive option.
This calculator is an estimate only. It does not include fees, offset accounts, redraw, rate changes, lender policy or personal credit assessment outcomes.
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Your broker
Ben Osborn, Brisbane mortgage broker.
I understand the unique challenges and opportunities that come with migrating to Australia—because I’ve lived them myself. As someone who made the move from the UK, I’m passionate about being a welcoming voice for expats and migrants, guiding you through the property journey with clarity and care.
Having personally bought, sold, and invested in Australian real estate, I bring practical, real-world experience to every conversation. I’m not just sharing theory—I’ve been in your shoes, and I know what’s at stake when it comes to securing your future home.
"I’m driven to be the best I can be, and success to me is helping those around me no matter where they are to achieve their goals of calling Australia home."
Ben Osborn
Ben Osborn
MFAAProfessional body membership
30+Lender panel options
561203Credit Rep Number
Why speak to a broker
A calculator is a start. Lending policy decides the outcome.
Prepare a cleaner application
Know which documents matter before your application reaches credit assessment.
Structure the loan properly
Get guidance on repayment type, loan term, buffers and future flexibility.
Next step
Talk through your result with Ben.
Prefer to speak directly?
Send your calculator result above, book a call, or use the contact form for a broader enquiry. Ben can help you understand what the estimate means against real lender policy.
